SIP Calculator for Salaried Employees
How much should you invest from your monthly salary? Use this SIP calculator designed for Indian salaried professionals — with salary-based recommendations and step-up projections.
Recommended SIP Amount by Salary — India 2026
| Monthly Salary | Recommended SIP | % of Salary | 15-Year Goal |
|---|---|---|---|
| ₹25,000–₹40,000/month | ₹2,000–₹5,000 | 8–12% | ₹20–50L in 10–15 years |
| ₹40,000–₹75,000/month | ₹5,000–₹15,000 | 12–20% | ₹50L–₹1Cr in 15 years |
| ₹75,000–₹1.5L/month | ₹15,000–₹35,000 | 15–25% | ₹1–2Cr in 15 years |
| ₹1.5L–₹3L/month | ₹35,000–₹75,000 | 20–25% | ₹2–5Cr in 15 years |
| ₹3L+/month | ₹75,000+ | 25%+ | ₹5Cr+ in 15 years |
* Assumes 12% annual return (CAGR). Actual returns may vary. Goals are approximate.
Calculate Your Personalised SIP Returns
Estimated Maturity Value
₹23.23 L
At 12% p.a. over 10 years
* Returns are estimated using compound interest. Actual mutual fund returns vary and are not guaranteed. Past performance is not indicative of future results.
SIP Tips Specifically for Salaried Professionals
Set SIP date = salary credit date
Automate your SIP to debit on the same day your salary hits. This eliminates the temptation to spend first and invest what's left.
Use ELSS SIP to save tax
₹12,500/month ELSS SIP = ₹1.5 lakh/year = full Section 80C deduction. You build wealth and save tax simultaneously.
Step-up SIP on appraisal month
Every time you get a hike, increase your SIP by at least 50% of the increment. This maintains your savings rate as income grows.
Don't stop SIP for market falls
Market crashes are when SIP works best — you buy more units at lower prices. Stopping SIP during a downturn is the #1 SIP mistake.
FAQs — SIP for Salaried Employees
How much SIP should a salaried employee do?
Financial planners recommend investing 20–25% of your take-home salary via SIP. For a salary of ₹60,000/month, that is ₹12,000–₹15,000/month in SIPs. Start with whatever is comfortable and step up by 10% every year as your salary grows.
When should a salaried employee start SIP?
The best time to start SIP is your first salary month. Even a ₹2,000/month SIP started at 22 grows to ~₹1 crore by 50 at 12% CAGR — that's 28 years of compounding. Starting late at 35 requires ₹7,000+/month to reach the same corpus by 50. Time is your most powerful asset.
Should I start SIP before or after creating an emergency fund?
Build your emergency fund first (3–6 months of expenses in a savings account or liquid fund). Then start SIP. Running a SIP without an emergency fund can force you to redeem at a loss during a market crash if you face a financial emergency.
Is it better to invest SIP before or after salary hike?
Start with what you can afford now. When you get a hike, immediately increase your SIP amount proportionally. If your salary increases by ₹5,000, add ₹1,000–₹2,000 to your SIP. This "step-up SIP" dramatically accelerates your wealth-building without feeling the pinch.
Which mutual funds are best for salaried employees in India?
For salaried employees with regular income: (1) Nifty 50 index fund for your core portfolio (60–70%), (2) A mid-cap or flexi-cap fund for growth (20–30%), (3) ELSS fund for tax saving (up to ₹12,500/month for full 80C benefit). Keep it simple — 3 funds maximum.
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