For Indian Salaried Investors

Every calculator tells you the SIP you need. This one checks the SIP you can afford.

KitnaSIP — literally, “how much SIP?” — works out the monthly SIP your goal really needs, adjusted for inflation, then weighs it against what you can genuinely set aside and shows the honest trade-offs to close any gap. Built for salaried professionals. Free, and no sign-up.

Calculate my SIPscore →

Free · Takes 2 minutes · No sign-up · Nothing to buy

Affordable

Not just required

Inflation

Adjusted math

Live

Trade-off sliders

2 min

To your answer

// decode the name

कितना SIP?

kitna — how much·SIP — should you invest

The one number every other calculator makes you guess.We just tell you.

How KitnaSIP is different

Three things no other SIP calculator does.

01 / AFFORDABILITY

The SIP you can actually afford

Others tell you the SIP you need and stop there. KitnaSIP compares it to what you can genuinely invest each month, and tells you honestly whether it is comfortable, tight, or out of reach for now.

02 / REAL MATH

Inflation-adjusted, month by month

A ₹1 crore goal today is worth far more in 20 years. KitnaSIP simulates every month — step-ups and existing investments included — against your inflation-adjusted target.

03 / TRADE-OFFS

Levers you can drag

If the goal is a stretch, adjust the timeline, target, and step-up on live sliders and watch the numbers update — so you leave with a plan, not just a scary number.

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Your SIPscore Analysis

Answer three short steps to get an honest, personalised result.

Profile

Goal

Risk

Result

About your money

Monthly take-home *

₹

Your salary after tax

Monthly expenses *

₹

Rent, food, EMIs — everything you spend

Amount you can invest monthly

₹

Optional — leave blank and we use 70% of your surplus, keeping a buffer

Existing investments

₹

Current mutual-fund or lumpsum balance (0 if none)

Income stability

Tax regime

Only affects which fund categories we mention

What are you investing for?

Your financial goal

Target amount (today's value) *

₹

In today's rupees — we adjust for inflation

Years to achieve *

Inflation assumption (%)

India average is about 6%

Annual SIP step-up (%)

Raise your SIP this much every year (0 = same amount always)

Expected return (%)

Leave blank — we'll assume one from your risk profile

Understanding your risk profile

We use these to choose the return assumption and the fund categories that fit — not to label you.

If your portfolio dropped 25% in one year, you would:

Stop the SIP immediatelyHold, but feel anxiousInvest more — buy the dip

Your equity mutual-fund experience:

None — I'm newUnder 2 years2+ years