Guides

The reasoning behind the calculators. Each guide answers one question properly — the formula derivation, the current tax position, what return rate is defensible — rather than restating the same introduction thirteen times.

By Sudarshan Babar · Software engineer and founder of the getinfotoyou tool network Updated

Start here

What is a SIPThe mechanics in plain language, without the sales pitch. The formula, derivedWhere the annuity-due formula comes from, line by line. How much of your salaryA framework that survives contact with rent and EMIs. Mistakes worth avoidingThe handful that cost the most, ranked by damage.

Getting the numbers right

What rate to assumePicking a return you can defend, by fund category. Inflation and real returnsThe number that decides whether you actually got richer. XIRR vs CAGR vs absoluteThree numbers, three meanings, one common mistake. Step-up SIP explainedWhy a yearly rise beats a bigger starting instalment.

Tax

SIP taxation in IndiaCurrent equity and debt rules, and why each instalment differs.

Honest comparisons

Each of these picks a side where the evidence supports one, and says so plainly instead of concluding "it depends on your goals".

SIP vs lump sum, explainedWhy the arithmetic and the sensible answer disagree. SIP vs PPFGuaranteed and tax-free against uncertain and larger. SIP vs FDWhat you give up for certainty, measured. SIP vs RDThe closest like-for-like comparison there is.

Keep going

Every calculatorThe full set, grouped by the question it answers. Our methodEvery formula and assumption this site uses, in one place. SIP calculatorThe general case: monthly, lump sum and step-up in one place. Who builds thisWho I am, and what I am not qualified to tell you.