Sapling: SIP Planner

Most SIP calculators stop at "how much will I have?" Sapling: SIP Planner also shows what happens next: how long your money lasts once you start withdrawing. Plan your whole investing journey on one timeline. Build up with SIP and step-ups, let your corpus rest, then draw an income with SWP. Works fully offline, with no ads and no sign-up, and it's designed for Indian investors. KEY FEATURES - Retirement planning: the full journey Model your build-up, rest and withdrawal phases in one plan, and see how long your corpus may last. - Real-life scenarios Explore pauses, emergency withdrawals, correction top-ups, skipped step-ups and changing assumptions, because real investing is rarely a straight line. - SIP calculator with step-up Estimate the future value of monthly SIP investments based on your contribution, investment period, expected return and annual step-up. - SWP calculator Explore systematic withdrawals, estimated withdrawal duration, total withdrawn and remaining balance. - Goal-based SIP calculator Find the monthly SIP needed to work toward a target amount in a chosen time period. - Lumpsum + SIP Compare a one-time investment with regular monthly contributions, or combine both. - Cost of waiting See how delaying your SIP by a few years can change the final corpus. - Loan vs SIP Compare prepaying a loan with investing the same surplus in a SIP. - CAGR calculator Work out the annualised growth rate of an investment between two values. - Inflation calculator and inflation-adjusted projections Understand how inflation may affect the future value and purchasing power of your money. - Visual investment journey Review yearly growth, contributions, gains and projected portfolio value through clear charts. - Saved scenarios Save your calculations and return to them later. - Offline and private Use every calculator without creating an account or sending your financial assumptions to an online server. Sapling does not ask for your bank details, investment account credentials or personal financial information. IMPORTANT All calculations are estimates based on the assumptions you enter. Actual returns may vary due to market conditions, taxes, fees, inflation and other factors. Mutual fund investments are subject to market risk. Sapling: SIP Planner is not financial, investment, tax or legal advice. Please consult a qualified financial professional before making investment decisions.