The KitnaSIP Blog
Plain-English guides on SIPs, inflation, goal planning and long-term investing — written for Indian salaried professionals. No jargon, no fund tips, no hype.
How much SIP do you need to reach ₹1 crore? (real answer, no fluff)
The honest answer depends on your timeline, your return assumption, and inflation — the thing everyone forgets. Here's how to figure out the monthly SIP for a ₹1 crore goal.
How to set a money goal you'll actually hit (not just 'get rich')
Vague goals get vague results. Here's how to turn 'I want to be financially secure' into a specific number, a deadline, and a monthly SIP you can actually plan around.
How much do you actually need to retire in India? (the number, no vibes)
A simple way to estimate your retirement corpus — and the monthly SIP that gets you there — based on your expenses, not your salary.
PPF vs ELSS: which is the smarter 80C pick?
Both save tax under 80C, but they're opposite animals — one is a guaranteed government scheme, the other a market-linked equity fund. Here's how to choose (or use both).
New vs old tax regime: which one actually saves you more?
The new regime has lower rates but no deductions; the old one is the opposite. Here's a simple way to figure out which saves a salaried person more — without a spreadsheet meltdown.
Step-up SIP: the lazy cheat code that quietly grows your corpus
Bumping your SIP a little each year — in step with your salary — can seriously shrink the gap to your goal. Here's why it works and how to turn it on.
₹1 crore won't be ₹1 crore: inflation is quietly glowing-down your goal
A goal set in today's rupees shrinks a little every single year. Inflation-adjusting your target is the one step almost everyone skips — here's why it matters.
The power of compounding: why starting early beats investing more
Compounding is the closest thing to free money in investing — but only if you give it time. Here's how it actually works, and why a 25-year-old's ₹10k beats a 35-year-old's.
SIP vs lumpsum: the debate that's lowkey pointless (for most of us)
For most salaried people the honest answer is 'it depends' — and usually you don't even have to pick. Here's how to think about it without the hype.
How much of your salary should you actually invest each month?
The 50-30-20 rule, minus the lecture. A simple way to work out how much of your paycheck should go toward investing — without living like a monk.
How to start your first SIP (a no-jargon guide for total beginners)
Never invested before? Here's exactly how a SIP works and how to start your first one — in plain English, no finance degree required.
SIP vs FD: where should your money actually go?
Fixed deposits feel safe; SIPs feel scary. Here's the honest comparison — returns, risk, tax, and liquidity — so you can decide without the family debate.
Your SIP feels too small? Here's the number every calculator hides
Most SIP calculators hand you a scary number and dip. The actually-useful question is whether you can afford it — here's how to read the gap without spiralling.
How to save tax under Section 80C without overthinking it
₹1.5 lakh of tax deductions is sitting right there. A plain-English rundown of your 80C options — and which ones suit which kind of person.
How big should your emergency fund be — and why it comes before investing
Before you start a single SIP, you need a cushion. Here's how big your emergency fund should be and where to park it — the unsexy step that saves your whole plan.