One of the most common questions for new investors is:
“How much SIP should I start every month?”
The answer depends on:
- ✔ Monthly income
- ✔ Living expenses
- ✔ Financial responsibilities
- ✔ Long-term wealth goals
This guide provides **income-based SIP recommendations**, examples, and calculators to help you plan the right amount.
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The 30% Wealth Rule (Universal Rule)
A powerful and simple rule for SIP planning is:
Invest 20%–30% of your take-home salary into SIPs.
Examples:
- 20% of ₹50,000 → ₹10,000 SIP
- 25% of ₹60,000 → ₹15,000 SIP
- 30% of ₹1,00,000 → ₹30,000 SIP
This creates a strong financial base.
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SIP Amount Based on Monthly Salary
Salary: ₹30,000
Ideal SIP: ₹3,000–₹5,000
Best for early-career beginners.
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How Much Can SIP Grow Over Time?
If you invest consistently:
- ₹5,000 per month → ₹30 Lakhs in 20 years
- ₹10,000 per month → ₹60 Lakhs in 20 years
- ₹20,000 per month → ₹1.2 Crore in 20 years
- ₹30,000 per month → ₹1.8 Crore in 20 years
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Use Our Calculators to Decide Your SIP
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Final Recommendation
If you’re just starting:
Start with what you can comfortably afford — and increase it every year.
This is the simplest and most effective way to build wealth using SIPs.