Guide
There are two honest ways to size a SIP: work backwards from a goal, or forwards from your income.
Start with what you want — a corpus and a date — and let the maths tell you the monthly amount. Our goal solver does exactly this, accounting for tax and optionally inflation, so the number it gives you actually funds the real future cost.
This is the most precise method, but it can produce an amount larger than you can afford, which leads to the second approach.
A common rule is to invest a fixed share of income — many aim for 20–30% of take-home pay across all savings. A SIP is a clean way to automate that share.
Pair this with a step-up so the amount grows with your income and your savings rate stays constant rather than drifting down.
If neither number is affordable yet, start with what you can and increase it. A modest SIP started today, stepped up over time, often beats a large SIP you keep postponing until you can 'afford it properly'. The delay-cost calculator shows why starting now matters more than starting big.
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