Comparison

CI Calculator vs Smart SIP Calculator

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

CI Calculator

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CI Calculator can calculate Future Value(FV) of ur Investment

About

Smart SIP Calculator

Features
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Smart SIP — plan your investments with confidence. Smart SIP is a fast SIP (Systematic Investment Plan) and lumpsum calculator that helps you estimate how your mutual fund investments can grow over time — no sign-up, no clutter, and your calculations work even without an internet connection. NEW IN THIS VERSION • Compare SIP vs Lumpsum — put the same money, rate and years into both and see side by side which ends higher, with a year-by-year growth chart and an honest note on what the comparison leaves out • A better Breakdown — a fresh look with a tappable pie chart of invested vs. returns, a chart of how your money grows over time, and a year-by-year table • History tabs — filter your saved plans by All, SIP or Lumpsum WHAT YOU CAN DO • Calculate SIP returns instantly by entering your monthly investment, expected rate of interest, and time period • Calculate lumpsum returns for a one-time investment • Model a Step-Up SIP — see how gradually increasing your monthly investment each year changes your final corpus • Visualize your results with a clear breakdown of total investment vs. estimated returns • Compare SIP and lumpsum with the same money to see how each one grows • Save and revisit your calculation history, so you can compare different scenarios over time • Share a calculation with family or friends • Learn how SIP investing actually works, including the underlying compounding formula, explained in plain language WHY SMART SIP • Your calculations stay on your device — no account needed to save them, and they work offline • No account, no login, no sign-up wall • Clean, distraction-free design built for quick answers • Full dark mode support Whether you're just starting to explore mutual funds or already investing and want to model a change, Smart SIP gives you a clear, instant answer — no spreadsheet required. Smart SIP is supported by ads to remain free for everyone. Some features, such as Compare SIP vs Lumpsum, can be unlocked by watching a short ad.

Screenshots

CI Calculator3 screens
Smart SIP Calculator4 screens

Verdict

The call

The clearest difference is ads: CI Calculator at none against Smart SIP Calculator's shown. CI Calculator also leads on update cadence (daily vs every 4 months) and iOS requirement (13.2 vs 18.0). On price, in-app purchases and device support there is nothing between them.

Scored on Price Ā· Rating Ā· Positive reviews Ā· Number of ratings Ā· Update frequency Ā· Ads Ā· In-app purchases Ā· Monetization Ā· Best chart rank Ā· Devices Ā· Requires iOS

CostPrice Ā· In-app purchases Ā· Ads Ā· Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

CI Calculator ships an update daily, Smart SIP Calculator every 4 months. The most recent releases landed on October 29, 2026 and November 8, 2026 respectively.

Scorecard3 real differences Ā· 3 level
CI Calculator versus Smart SIP Calculator: the parameters behind the verdict, then further details
ParameterCI CalculatorSmart SIP Calculator
PriceFreeFree
Update frequencyDaily — betterEvery 4 months
AdsNo — betterYes
In-app purchasesNoNo
DevicesiPhone, iPodiPhone, iPad
Requires iOS13.2 — better18.0
Further details — not scored
Size8 MB18 MB
Age rating4+4+
DeveloperChipsy Information Technology ServicesMayank Negi

In-app purchases

None

CI Calculator

No in-app purchases

None

Smart SIP Calculator

No in-app purchases

Questions

Is CI Calculator free?
CI Calculator is free to download, with no in-app purchases.
Is Smart SIP Calculator free?
Smart SIP Calculator is free to download, with no in-app purchases.
Do CI Calculator or Smart SIP Calculator have ads?
Smart SIP Calculator shows ads; CI Calculator does not.
Which is updated more often, CI Calculator or Smart SIP Calculator?
CI Calculator ships an update daily, and Smart SIP Calculator every 4 months. Most recently, CI Calculator was updated on October 29, 2026 and Smart SIP Calculator on November 8, 2026.

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