SIP Calculator

While using our Service, we do not collect any personally identifiable information (PII) such as your full name, email address, phone number, postal address, Aadhaar, PAN, bank account numbers, or login credentials.

All financial variables entered into the App — including monthly SIP amounts, investment periods, expected returns, step-up rates, lump sum investments, SWP withdrawal amounts, FIRE retirement age targets, emergency fund expenses, and multi-goal allocations — are processed entirely on your local device.

These figures are used solely to generate real-time mathematical calculations and growth schedules on your screen. They are never sent to our servers, stored in any external database, or shared with third parties.

The App utilizes Android's standard local sandboxed storage (SharedPreferences) strictly to preserve user settings such as selected default calculator, theme preference (Light / Dark), and saved goal targets. This data resides solely on your physical device and can be cleared at any time through your device's Android App Settings.

Shuttle Technologies and the SIP Calculator application are not registered as an Investment Adviser (RIA), Research Analyst (RA), Portfolio Manager, or Broker with the Securities and Exchange Board of India (SEBI), the US Securities and Exchange Commission (SEC), or any other financial regulatory authority.

The App does not offer, sell, solicit, broker, or recommend any specific mutual fund schemes, stocks, securities, exchange-traded funds (ETFs), fixed deposits, insurance products, or retirement plans.

Calculations within this App rely on standard compounding interest formulas assuming constant, annualized rates of return (CAGR). In real financial markets:

• Market returns are volatile, fluctuate daily, and are never linear or guaranteed.
• Past performance of any mutual fund scheme, index, or asset class is not indicative of future returns.
• Actual returns can be substantially higher or lower than the estimated projections, and investors may experience capital loss, including the possible loss of principal amount.

Simulations in the App do not automatically factor in all real-world investment variables, including but not limited to:

• Mutual fund Expense Ratios (Total Expense Ratio / TER) and management fees.
• Exit loads, entry loads, brokerage fees, stamp duty, or transaction charges.
• Taxation on capital gains (such as Short-Term Capital Gains / STCG, Long-Term Capital Gains / LTCG, Dividend Distribution Tax, or withholding taxes) which vary according to applicable tax laws and individual tax brackets.
• Real inflation variability, currency devaluation, and shifting interest rate regimes over long time horizons.

Results should therefore be viewed as idealized mathematical projections rather than promised financial outcomes.

While every reasonable effort is made to maintain accurate mathematical formulas and computational algorithms, Shuttle Technologies makes no warranties or representations, express or implied, regarding the completeness, precision, suitability, or absolute accuracy of any calculation, table, or graph.

To the maximum extent permitted by applicable law, Shuttle Technologies, its developers, and affiliates shall have no liability whatsoever for any direct, indirect, incidental, consequential, punitive, or special damages (including, without limitation, financial loss, lost profits, investment underperformance, or tax penalties) arising out of or in connection with the use of, or inability to use, this application or any information contained herein.

Users are strongly advised to independently verify all financial calculations and consult with a certified financial planner (CFP), SEBI-registered investment advisor, chartered accountant, or qualified tax consultant before entering into any financial commitments or making investment decisions.