How Much Should You Invest in a SIP Every Month?

There's no single "right" amount — but there is a right method: work backwards from your goal.

Step 1: Budget first A common guide is 50-30-20: 50% needs, 30% wants, 20% savings/investments. Your SIP should fit inside a sustainable savings rate you won't abandon in a tough month.

Step 2: Work backwards from the goal Want ₹1 crore in 15 years? At ~12%, you'd need roughly ₹20,000/month. Our goal planner computes the exact monthly SIP for any target, horizon and expected return.

Step 3: Start where you can, then step up Can't hit the ideal number yet? Start anyway and use a step-up SIP — increase the amount ~10% each year as your income grows. Starting small early beats starting big late, because of compounding.

Step 4: Automate and forget Set the SIP on a date just after payday so it's the first thing that happens with your salary.

Do the maths: Goal planner →.