SIPlyy is a free, ad-supported resource for the millions of Indians who use — or want to use — Systematic Investment Plans. We build simple, private SIP calculators and write plain-English guides on how SIPs work, how to compare them, and how to fit them into a real financial life. The site is run by Bhanuprakash Sardesai, a financial educator based in Hubli, Karnataka, India.
Meet the founder
Bhanuprakash Sardesai is the founder of SIPlyy. He is a financial educator based in Hubli, Karnataka, with a simple belief: long-term investing should be accessible to every Indian, not just those who can afford a financial adviser. He started SIPlyy in 2025 after years of seeing friends and family struggle with the same SIP questions — "How much should I invest?", "Which fund should I pick?", "What happens if the market crashes?" — and seeing most online answers either too promotional (from fund houses with a stake in the answer) or too academic (full of jargon, with no calculators to test the math).
His approach to financial education is grounded in three principles: plain English over jargon, original calculators over borrowed formulas, and honest explanations over sales pitches. He reads every email sent to SIPlyy personally — you can reach him at brssardesai@gmail.com or +91-9108752716.
Why this site exists
India has over 100 million mutual fund investors, and SIPs account for lakhs of crores in monthly flows. The AMFI data shows that monthly SIP contributions crossed ₹25,000 crore in 2024 — a staggering figure that grows every month. Yet most of the coverage online is either too promotional (from fund houses and distributors with a stake in the answer) or too academic (full of jargon, with no calculators to test the math).
The result is that millions of first-time investors enter SIPs without understanding what they are doing. They pick funds based on past returns. They panic-sell during market corrections. They stop SIPs when their salary rises, instead of stepping them up. They choose regular plans over direct plans and lose 0.5–1% per year for decades. They treat SIPs as fixed deposits and are surprised when the value falls.
SIPlyy sits in the middle: written by someone who understands the math, for people who just want to know "what does this mean for me?". No affiliate links. No commissions. No "premium" tiers. Just tools and explanations that respect your time and intelligence.
What SIPlyy offers
The Website has three pillars:
- Free calculators — four browser-based calculators that run entirely on your device. SIP Calculator, Lump Sum Calculator, Step-up SIP Calculator, and SIP Delay Cost Calculator. Your inputs never leave your browser — there is no server-side processing of any financial data.
- Plain-English guides — a growing library of articles covering everything from "What is a SIP?" to taxation of mutual fund SIPs to how to review your SIP portfolio. Each article is written for clarity, not for SEO. We publish new content regularly.
- Honest answers — a comprehensive FAQ with 20+ common SIP questions answered in plain English, plus a direct line to the founder for anything we have not covered. We respond personally to every enquiry.
Long-term investing should be boring
If it feels exciting, you are probably taking too much risk. Consistency beats prediction — the investors who do best are usually the ones who did the least.
Privacy is non-negotiable
Your financial inputs should never leave your device. That is why every calculator on SIPlyy runs entirely in your browser — no server sees your numbers.
Clarity beats complexity
We would rather explain something simply and correctly than impress you with formulas. Jargon is a sign of insecurity, not expertise.
Education, not advice
We help you understand the trade-offs. We do not tell you what to buy, and we never accept commissions from fund houses or distributors.
What we believe
Our work is guided by four core beliefs that shape every calculator, every article, and every email reply on SIPlyy. These are not marketing slogans — they are the principles we use to decide what to build, what to write, and what to leave out.
Long-term investing should be boring. If your investment strategy feels exciting, you are probably taking too much risk. The best investors are usually the ones who did the least — set up their SIPs, stepped them up annually, ignored the news, and let compounding do the work for 20 years. We design our calculators and content to support this boring-but-effective approach.
Privacy is non-negotiable. Your financial inputs — how much you earn, how much you save, what your goals are — are some of the most sensitive data about you. They should never be sent to a server you don't control, stored in a database you can't see, or sold to advertisers you didn't choose. That is why every calculator on SIPlyy runs entirely in your browser using JavaScript. Your numbers never leave your device.
Clarity beats complexity. There is a temptation in personal finance writing to use complex language — to invoke "modern portfolio theory", "Sharpe ratios", "alpha generation" — as a way of signalling expertise. We resist this temptation. The concepts that matter for 99% of Indian investors — compounding, rupee cost averaging, asset allocation, taxation — can be explained in plain English without sacrificing accuracy. If we cannot explain something simply, we probably do not understand it well enough.
Education, not advice. We help you understand the trade-offs. We do not tell you what to buy. We do not earn commissions from any fund house, distributor, or platform. We do not have affiliate links. If we ever introduce monetisation beyond clearly-labelled display ads, we will say so on this very page. This independence is the only way we can write honestly about which funds are good, which fees are too high, and which "tips" are actually sales pitches.
Our story so far
SIPlyy launched in 2025 with a simple goal: build the most useful free resource on SIPs for Indian investors. The site started with four calculators and a handful of blog posts, and has grown steadily since. Every feature on the site — from the in-content ad placements to the FAQ schema markup — was built with one question in mind: "Does this make the experience better for the visitor, or worse?"
We are still small, still founder-led, and still independent. When you email SIPlyy, you reach Bhanuprakash Sardesai directly — not a support team, not a chatbot. We like it this way, and we plan to keep it this way for as long as possible.
How we are funded
This site is supported by display advertising (clearly labelled, never intrusive). We accept affiliate commissions, paid placements, and sponsored partnerships with mutual funds and platforms. If you would like to partner with us, please reach out — we are open to all collaboration opportunities.
Display ads are a deliberate choice — they allow us to keep every calculator, every article, and every FAQ answer free for everyone, regardless of their income or investment size. We have configured our ad slots to be unobtrusive (no pop-ups, no auto-playing audio, no full-page takeovers) and we cap the number of ads per page at three to protect the reading experience. If you find any ad on this site obnoxious or misleading, please let us know — we will block the advertiser.
Disclaimer
All calculators and articles on this site are for educational purposes only. They do not constitute investment advice. Mutual fund investments are subject to market risks — please consult a SEBI-registered investment adviser before making investment decisions. Tax rules mentioned in our content are based on the Income Tax Act as amended through July 2024, and may change in future Budgets.
Ready to dive in? Start with the SIP Calculator, browse the blog, or read the FAQ. If you have a question we have not answered, reach out — we read every message personally.
— Bhanuprakash Sardesai, Founder, SIPlyy