Set A SIP Amount That Actually Works

You picked ₹5,000/month because a friend does it, or it fit the budget that month. But a SIP without a target date and amount is just a habit, not a plan.
Say you want ₹20 lakh in 10 years for a house down payment. At 12% expected return, you'd need to invest about ₹8,700/month — not ₹5,000.
That gap of ₹3,700/month, over 10 years, is the difference between reaching your goal and falling ₹8 lakh short.

What this means for you

• Your current SIP might be funding a goal you haven't actually defined.
• A ₹5,000 SIP for 15 years at 12% builds ~₹25 lakh — fine for some goals, way short for others.
• Every year you delay fixing the amount, the required monthly SIP rises to catch up.

What you can do

• Write down the goal amount and year first — then use a SIP calculator to back into the monthly number.
• Review and adjust your SIP amount every year when your salary changes, not just when the goal deadline gets close.

A SIP amount tied to a real number stops feeling like a guess and starts feeling like a plan you can trust.

Grow with clarity 🌱