Sip Calculator
You earn a fixed salary every month. Bills, rent, EMIs — the list never ends. But if you don't invest a portion of your salary in growth assets, you'll be working forever. SIP is the salaried person's best friend — it automates investing, leverages compounding, and aligns perfectly with monthly income cycles.
The 50-30-20 Rule for Salaried Investors
| Category | % of Take-Home | Example (₹50K salary) |
|---|---|---|
| Needs (rent, food, bills) | 50% | ₹25,000 |
| Wants (entertainment, travel) | 30% | ₹15,000 |
| Investments (SIP + PPF) | 20% | ₹10,000 |
Pro tip: Try to gradually move toward the 50-20-30 rule — saving 30% and spending only 20% on wants. This accelerates wealth creation massively.
SIP Amounts by Salary Level — How Much Should You Invest?
| Monthly Salary | Minimum SIP (20%) | Ideal SIP (30%) | 20-Year Corpus (12% CAGR) |
|---|---|---|---|
| ₹20,000 | ₹4,000 | ₹6,000 | ₹39.9 L – ₹59.9 L |
| ₹30,000 | ₹6,000 | ₹9,000 | ₹59.9 L – ₹89.9 L |
| ₹50,000 | ₹10,000 | ₹15,000 | ₹99.9 L – ₹1.50 Cr |
| ₹75,000 | ₹15,000 | ₹22,500 | ₹1.50 Cr – ₹2.25 Cr |
| ₹1,00,000 | ₹20,000 | ₹30,000 | ₹2.00 Cr – ₹3.00 Cr |
Salary-Based SIP Allocation Calculator ↓
💼 Salary → SIP → Wealth Estimator
Monthly SIP
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Projected Corpus
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Wealth Gained
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At 12% CAGR. Full SIP Calculator →
Recommended SIP Portfolio for Salaried Professionals
| Fund Type | % of SIP | Purpose | Risk |
|---|---|---|---|
| Flexi Cap / Large Cap | 40% | Core growth, stability | Moderate |
| Mid Cap Fund | 25% | Higher growth potential | Moderate-High |
| ELSS (Tax Saver) | 20% | Tax saving under 80C | Moderate |
| Nifty 50 Index Fund | 15% | Low-cost passive exposure | Moderate |
Golden Rules for Salaried SIP Investors
- Automate SIP on salary day: Set SIP date to 5th-7th (right after salary credit)
- Never stop SIP during market crashes: This is when you get units at discount prices
- Step-up SIP with salary hikes: Increase SIP by 10-15% every year with your increment
- Emergency fund first: Keep 3-6 months expenses in FD/liquid fund before aggressive SIP
- Avoid SIP in sectoral/thematic funds: Too risky for goal-based investing
- Review annually, don't churn: Check portfolio once a year, don't switch funds frequently
Calculate Your Ideal SIP Amount ↓
Our SIP calculator helps you model different salary percentages and see your projected wealth over time.
Open SIP Calculator →Frequently Asked Questions
How much salary should I invest in SIP?
Financial experts recommend investing 20-30% of your take-home salary in SIP. A popular rule is the 50-30-20 rule: 50% for needs, 30% for wants, and 20% for investments. If you earn ₹50,000/month, aim for at least ₹10,000-15,000 in SIP.
Which SIP is best for a person earning ₹30,000 salary?
With ₹30,000 salary, invest ₹5,000-7,000 in SIP. Split it: ₹3,000 in a Flexi Cap fund for growth, ₹2,000 in ELSS for tax saving, and ₹1,000 in a Nifty 50 index fund. Increase SIP by 10% annually with salary hikes.
Should I start SIP on the 1st or after salary credit?
Start SIP on the 5th-7th of every month (right after salary credit). This ensures sufficient balance and avoids bounce charges. Most AMCs allow you to choose your SIP date between 1st and 28th.
Can a salaried person save ₹1 crore through SIP?
Yes! With ₹15,000/month SIP at 12% CAGR for 20 years, you accumulate ₹1.49 crore. With step-up SIP (10% annual increase), you can reach ₹1 crore in just 14-15 years even starting with ₹10,000/month.
