Meet SIPbook — All your SIPs. One ledger

Finance

SIPbook

All your SIPs. One ledger.

Every feature, from the first launch.

No account, no login, no cloud. Everything runs on your device and works fully offline — nothing in this post is hidden behind a wall.

What SIPbook does

If you invest through SIPs, you probably know the mess: one SIP started on Groww, two older ones on Kuvera, one through your bank's RM, one directly on the AMC's site. No single app shows you the whole picture without demanding your PAN, pushing a 'premium membership', or spamming you into new funds. SIPbook is the quiet alternative — a private ledger where you log every SIP you run, wherever it actually runs.

Add each SIP with its scheme name, AMC, folio number, monthly amount, debit date and status. The home screen totals your monthly commitment across everything, and the outflow calendar lines up every debit date in the month so salary-week surprises stop happening. Pause a SIP in real life? Mark it paused here and your numbers update instantly.

SIPbook also keeps your investing honest with two simple tools. Goal mapping lets you create goals — a flat's down payment, a child's education, retirement — and attach the SIPs funding each one, with a target amount and date. The step-up planner lets you record the annual increase you intend for each SIP (5%, 10%, a fixed amount) and shows what your monthly outflow will look like in one, three and five years, with a gentle nudge when a step-up falls due.

To be clear about what SIPbook is not: it is a manual logbook, not an investment platform. It gives no advice, recommends no funds, executes no transactions and never connects to your accounts. There is no login, no PAN, no OTP and no internet requirement — everything is stored 100% offline on your iPhone using SwiftData, and your financial life never leaves your device.

• Log SIPs across every AMC and platform in one ledger • Monthly outflow total + debit-date calendar • Goal mapping: attach SIPs to goals with target amounts • Step-up planner with future outflow projections • Pause / resume / close tracking per SIP • No account, no ads, no data collection — fully offline

Download SIPbook and finally see all your SIPs on one screen — privately.

A look inside

Tap any screenshot to open the full-resolution version.

What's inside

SIP ledger — Add each SIP with scheme name, AMC, folio, platform, monthly amount, debit day, start date and status (active, paused, closed). Home screen shows total monthly commitment, active SIP count and per-AMC breakdown.
Outflow calendar — A monthly calendar marks every SIP debit date across all AMCs, with day totals and a running month-to-date outflow figure, so clustered debits around salary day are visible at a glance.
Goal mapping — Create goals with a name, target amount and target date; attach one or more SIPs to each goal. Goal detail shows combined monthly contribution, cumulative amount invested to date and a simple progress bar toward the target.
Step-up planner — Record an intended annual step-up per SIP (percentage or fixed amount, with an anniversary month); a projection screen charts future monthly outflow over 1/3/5 years and lists upcoming step-up due dates as reminders to action at the AMC.

Why we built it

India's 9.7 crore SIP accounts are scattered across platforms and fund houses; there is no neutral, private place to answer basic questions — how much leaves my account each month, on which dates, toward which goals, and when did I last step up? — without surrendering KYC data to an aggregator that monetizes the relat…

What makes it different

Unlike Nestegg (US visual savings-goal jars), Goldbook (a ledger for physical gold purchases) and Qist (tracking loan installments you owe), SIPbook models the specific anatomy of Indian mutual-fund SIPs — scheme/AMC/folio structure, recurring debit dates, pause/resume status, annual step-ups and goal mapping — making…

Who it's for

Freelancers, contractors, and small-business owners who want their numbers right at tax time without renting a SaaS to do it.

In one line: All your SIPs. One ledger.

Try it

See the All your SIPs. One ledger for the full feature list, the info table, and support links.

Use SIPbook, found a bug, or have a feature request? Comments are open below — anonymous is fine.