About Us

growwithsip (growwithsip.in) is an independent financial education and calculator website. It is designed to help readers in India understand personal-finance concepts and explore mathematical scenarios, not to sell products or provide personalized investment advice.

growwithsip is an independent financial education and calculator website. It is not a SEBI-registered investment adviser, broker, or financial product distributor. Its content and calculators are provided for educational and informational purposes and do not constitute personalized investment advice.

Who builds this site

I am Sachin S Marnur, a software engineer based in Bengaluru, India. I write the guides, implement the calculator pages, and maintain the formulas that run in your browser. There is no editorial board and no team of financial advisers behind the byline.

Software engineering is how the tools are built. It is not a licence to give investment advice. Building a transparent SIP or EMI worksheet is a technical and educational project. Recommending what you should buy, sell, or hold is a different activity, and this site does not do that.

Why the site exists

Many planning pages either hide the formula or ask for a phone number before showing a result. I wanted a public place where a salaried reader can learn the trade-off first (for example SIP versus FD, or leftover 80C after EPF), then type their own numbers and see the year-by-year path, including inflation where the page says it applies.

The intended reader is someone in India who already saves or invests SIPs, deposits, 80C, loans, retirement and wants a clear explanation plus a worksheet, without creating an account.

What the site provides

• Guides that compare common choices and explain how these calculators treat inflation, tax caps, and compounding.
• Calculators that run entirely in the browser using documented formulas. Inputs are not stored on a growwithsip server.

Use the order learn → understand → calculate: read the concept, check the assumptions, then run your own figures. A calculator can show what happens mathematically under those assumptions. It cannot predict future market returns, inflation, interest rates, or tax law.

How content and calculators are maintained

I update pages when a formula explanation is unclear, when a default (such as a commonly used illustration rate) should be labelled more carefully, or when publicly known scheme or tax features used in the copy have changed. I do not scrape live mutual-fund NAVs or rank schemes. When a government-notified rate or tax rule is mentioned, confirm the current official figure before you rely on it.

If a paragraph and a calculator seem to disagree, trust the inputs you typed and the method note on that page. Errors can be reported on the contact page. The engine map on the homepage How we calculate describes what each tool actually computes.

Privacy and safety

There is no login wall. growwithsip will not ask for bank passwords, OTPs, or demat credentials. The site is free. Advertising is not currently active; if that changes, the Privacy Policy will be updated first.

Contact

Email support@growwithsip.in.