🌸 Free finance calculators Β· Female-led planning from Shillong. Browse all β†’
Female-led Β· Shillong Β· SEBI-aware planning

Money that listens before it grows.

Smart SIP Solution is a women-run financial consultancy from the hills of Shillong β€” plus a growing library of free, accurate Indian-market calculators for SIP, EMI, FD, PPF, income tax and everything in between.

Small consultancy, serious outcomes.

100%
Female-led leadership across advisory & operations
7+
Years guiding North-East families through markets & life goals
β‚Ή35Cr+
Family wealth currently under quiet, disciplined care
0
Hidden commissions. Fee-led, conflict-free advice β€” always.

Built by Sulekha Sen β€” advisor, educator, founder.

Co-founder & CEO of Smart SIP Solutions, financial advisor, and one of North-East India's most followed personal-finance educators.

Sulekha Sen β€” Founder, Smart SIP Solutions

Sulekha Sen is a financial advisor, educator and content creator with a decade-long mission: rebuild how Indian families β€” especially women, first-earners, and households in the North-East β€” relate to their money. She co-founded Smart SIP Solutions to bring conflict-free, fee-only financial planning to people who have historically been pushed to the wrong side of the desk.

Before founding the firm, Sulekha served as an assistant professor and remains connected to institutions in the North-East including Assam Don Bosco University. That teaching DNA shows in every consultation β€” compound interest, asset allocation and tax regimes explained the way good teachers do: patiently, clearly, in the listener's language.

Beyond consultations she is a respected personal-finance content creator, reaching a fast-growing community of young Indians on Instagram with myth-busting explainers most advisors refuse to make publicly.

"Money should listen before it grows. The plan follows the person, not the other way around."

Read full bio β†’LinkedIn

Four conversations. One quiet plan.

  1. Discovery call (free, 30 min) β€” we listen. You talk about goals, fears, the loan you haven't told your parents about. No judgement, no pitch.
  2. Deep dive (paid, 60–90 min) β€” we audit existing investments, insurance, EPF, real estate, and debts. You leave with a written one-page financial picture.
  3. Plan delivery β€” a goal-by-goal SIP and rebalancing plan, in plain English (or your language). Every number traced to a goal.
  4. Ongoing care β€” quarterly reviews, annual rebalancing, and a real human on WhatsApp when the market drops 6% on a Monday.

Things people actually ask us.

Yes. Every calculator on Smart SIP Solution is free to use, with no login, no email-wall, and no premium tier. They are educational tools β€” the formulas are documented on each page.
Never. Half of our first-year clients started under β‚Ή5,000/month. The discipline you build at β‚Ή2,000 is the same discipline that compounds into a house at β‚Ή50,000.
We operate under fee-only advisory norms and work with SEBI-registered partners for execution. We never receive product commissions β€” our only revenue is your transparent fee.
Yes. Most deep-dive sessions happen on Google Meet. We have clients across 14 Indian cities and 6 countries. Shillong is our home, not our boundary.
No. We're a female-led firm, but we serve everyone β€” men, couples, families, businesses. Our promise is the same conversation, no matter who's across the table.
Ready when you are

Let's talk about your money.

A 30-minute call, no obligation, no pitch. Just one honest conversation about where you are and what's possible.