💰 Monthly Investment Amount
Fixed amount you'll invest every month through SIP.
How to determine your SIP amount:
💡 The 50-30-20 Rule:
• 50% for needs (rent, food, utilities)
• 30% for wants (entertainment, dining)
• 20% for savings & investments (SIP goes here)
📊 SIP amounts by income level:
• 🇺🇸 $5,000 income → $750 SIP (15%)
• 🇺🇸 $8,000 income → $1,400 SIP (17.5%)
• 🇺🇸 $12,000 income → $2,400 SIP (20%)
• 🇬🇧 £4K income → £600 SIP (15%)
• 🇮🇳 ₹30K income → ₹5K SIP (17%)
🎯 Goal-based SIP planning:
• Retirement: 15-20% of income
• Child education: 10-15% of income
• Wealth creation: 10-25% of income
Pro tip: Start small and increase by 10-15% annually (step-up SIP)
💡 The 50-30-20 Rule:
• 50% for needs (rent, food, utilities)
• 30% for wants (entertainment, dining)
• 20% for savings & investments (SIP goes here)
📊 SIP amounts by income level:
• 🇺🇸 $5,000 income → $750 SIP (15%)
• 🇺🇸 $8,000 income → $1,400 SIP (17.5%)
• 🇺🇸 $12,000 income → $2,400 SIP (20%)
• 🇬🇧 £4K income → £600 SIP (15%)
• 🇮🇳 ₹30K income → ₹5K SIP (17%)
🎯 Goal-based SIP planning:
• Retirement: 15-20% of income
• Child education: 10-15% of income
• Wealth creation: 10-25% of income
Pro tip: Start small and increase by 10-15% annually (step-up SIP)
⏰ Investment Period (Years)
Duration for which you'll continue the SIP investments.
SIP investment horizons by goal:
Short-term (1-3 years):
• Best for: Emergency fund, vacation, gadgets
• Expected returns: 6-8% (debt funds)
• Risk: Low to moderate
Medium-term (3-7 years):
• Best for: Car purchase, home down payment
• Expected returns: 8-12% (hybrid funds)
• Risk: Moderate
Long-term (7+ years):
• Best for: Retirement, child education, wealth creation
• Expected returns: 12-15% (equity funds)
• Risk: High but time reduces volatility
Power of time: 20+ years allows maximum compounding benefit
Short-term (1-3 years):
• Best for: Emergency fund, vacation, gadgets
• Expected returns: 6-8% (debt funds)
• Risk: Low to moderate
Medium-term (3-7 years):
• Best for: Car purchase, home down payment
• Expected returns: 8-12% (hybrid funds)
• Risk: Moderate
Long-term (7+ years):
• Best for: Retirement, child education, wealth creation
• Expected returns: 12-15% (equity funds)
• Risk: High but time reduces volatility
Power of time: 20+ years allows maximum compounding benefit
📈 Expected Annual Return (%)
Anticipated yearly return from your SIP investments.
Historical returns by fund category:
🛡️ Conservative (6-8% returns):
• Debt funds, liquid funds, FDs
• Best for: Capital protection, short-term goals
• Risk: Very low
⚖️ Moderate (10-12% returns):
• Balanced funds, hybrid funds
• Best for: Moderate risk tolerance
• Risk: Medium
🚀 Aggressive (12-18% returns):
• Large cap, mid cap, small cap equity funds
• Best for: Long-term wealth creation
• Risk: High but historically rewarding
Regional expectations:
• 🇮🇳 India: 12-15% (equity funds)
• 🇺🇸 USA: 8-10% (S&P 500 index)
• 🇬🇧 UK: 7-9% (FTSE index funds)
• 🇸🇬 Singapore: 6-8% (STI index funds)
🛡️ Conservative (6-8% returns):
• Debt funds, liquid funds, FDs
• Best for: Capital protection, short-term goals
• Risk: Very low
⚖️ Moderate (10-12% returns):
• Balanced funds, hybrid funds
• Best for: Moderate risk tolerance
• Risk: Medium
🚀 Aggressive (12-18% returns):
• Large cap, mid cap, small cap equity funds
• Best for: Long-term wealth creation
• Risk: High but historically rewarding
Regional expectations:
• 🇮🇳 India: 12-15% (equity funds)
• 🇺🇸 USA: 8-10% (S&P 500 index)
• 🇬🇧 UK: 7-9% (FTSE index funds)
• 🇸🇬 Singapore: 6-8% (STI index funds)
🎯 Financial Goal (Optional)
Target amount you want to achieve through SIP investments.
Common SIP investment goals:
🏠 Home Purchase:
• Down payment: 10-20% of property value
• Example: $80K down payment for $400K home
👶 Child Education:
• State college: $100K-150K (current cost)
• Private college: $200K-300K (current cost)
• International: $200K-500K
🏖️ Retirement Planning:
• Target: 25-30x annual expenses
• Example: $60K annual expenses → $1.5-1.8M corpus
💍 Wedding Expenses:
• Budget: $30K-150K depending on scale
• Timeline: 3-5 years typically
Inflation adjustment: Increase goals by 6-8% annually for future value
🏠 Home Purchase:
• Down payment: 10-20% of property value
• Example: $80K down payment for $400K home
👶 Child Education:
• State college: $100K-150K (current cost)
• Private college: $200K-300K (current cost)
• International: $200K-500K
🏖️ Retirement Planning:
• Target: 25-30x annual expenses
• Example: $60K annual expenses → $1.5-1.8M corpus
💍 Wedding Expenses:
• Budget: $30K-150K depending on scale
• Timeline: 3-5 years typically
Inflation adjustment: Increase goals by 6-8% annually for future value
📊 Advanced Options
Optional features for sophisticated SIP planning.
💰 Initial Lump Sum:
• Bonus, inheritance, or savings to invest upfront
• Boosts overall returns through longer compounding
• Example: $25K lump sum + $2K monthly SIP
📈 Annual Step-up Rate (10-15% recommended):
• Increase SIP amount annually with salary growth
• Accelerates goal achievement significantly
• Example: $1K → $1.1K → $1.2K (10% step-up)
💸 Tax Rate (for optimization):
• Your marginal tax bracket (10-37% in US)
• Helps calculate tax-advantaged investment benefits
• 401(k), IRA, and Roth IRA offer tax benefits in US
• Bonus, inheritance, or savings to invest upfront
• Boosts overall returns through longer compounding
• Example: $25K lump sum + $2K monthly SIP
📈 Annual Step-up Rate (10-15% recommended):
• Increase SIP amount annually with salary growth
• Accelerates goal achievement significantly
• Example: $1K → $1.1K → $1.2K (10% step-up)
💸 Tax Rate (for optimization):
• Your marginal tax bracket (10-37% in US)
• Helps calculate tax-advantaged investment benefits
• 401(k), IRA, and Roth IRA offer tax benefits in US