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.
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.
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.
Add your goal
Education, house, vacation, retirement — anything you're planning for.
See your SIP numbers
We show SIPs at 10%, 12%, 14% expected returns so you can plan conservatively.
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.