SIP: The quiet engine behind every big goal.

You invest a small amount every month. Markets work in the background.Compounding quietly does the magic. But random SIPs don't work. Goal-based SIPs do.

SIP in 60 seconds

  • SIP = investing a fixed amount every month in mutual funds or index funds.
  • You don't worry about timing the market. Discipline does the work.
  • Over time, discipline + compounding do the heavy lifting.

Simple example

Investing ₹10,000/month for 10 years at 12% return can grow to roughly ₹23 Lakhs.(Illustrative, not guaranteed)

Don't just start a SIP. Start with a goal.

A random SIP feels good, but you don't know what it's really for. A goal-based SIP gives you clarity and purpose.

Random SIP

₹10,000/month

Because someone said it's a "good amount" to start with. No real target. No clarity.

No specific goal
No inflation planning

Goal-based SIP

₹9,200/month

For your child's education in 2038, with inflation and expected returns baked in. You know exactly what you're solving for.

Clear target: ₹50L by 2038
Inflation-adjusted planning

Step-up SIP: Grow your SIP with your income

Your income usually grows every year. Your SIP can too. Start lighter today and increase it annually.

No step-up

₹16,224/month

Same SIP from day one. Works, but harder on your cashflow today.

Flat SIP over 10 years

10% yearly step-up

₹13,593/month

Start lower, increase 10% every year as your income grows. Same goal, easier start.

Grows with your income

How PlanMySIP thinks about SIPs

Tell us your goal, timeline, and what it costs today. We do the math.

1

Add your goal

Education, house, vacation, retirement — anything you're planning for.

2

See your SIP numbers

We show SIPs at 10%, 12%, 14% expected returns so you can plan conservatively.

3

Toggle step-up options

Use 5%, 10%, or 15% yearly step-up to lower your starting SIP.

FAQs

Plan your first goal now, and get an actionable SIP plan in seconds.

Plan My SIP

PlanMySIP is a planning tool to help you understand your numbers. It's for education, not investment advice. Reach out to your financial advisor for more accurate financial planning.