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Investment Planner

What % of your salary should you invest in equity? Find the ideal amount.

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Investment Planner
What % of your salary should you invest in equity? Find the ideal amount.
Monthly salary
₹
sixty thousandrupees
Current age
Years
Expected equity return (%)
%
Investment horizon
Years
Projected corpus
₹59,94,888
76%
returns
Invested
Returns
Monthly salary₹60.0K
Recommended to invest10% = ₹6.0K
Total invested (20 yrs)₹14.40 L
Projected corpus₹59.95 L
Start SIP now →

For illustration only. MF returns not guaranteed. Market risks apply.

⚠️ Disclaimer: Results are for illustration only. Mutual Fund investments subject to market risks. Assumed returns may not reflect actual performance. Read all scheme-related documents carefully. Not investment advice.
About this calculator

Investment Planner — explained

The Investment Planner Calculator answers the most common question in personal finance: 'what percentage of my salary should I be investing?' Based on your monthly salary, current age, expected equity return, and investment horizon, the calculator suggests an ideal equity SIP percentage and projects the corpus you'll build over time. The recommendation follows the well-known age-based asset allocation rule of thumb — younger investors with longer horizons can afford higher equity allocations, while older investors should taper down.

This free Indian investment planning tool helps first-time investors, salaried professionals, and young families anchor their financial planning around a sensible salary-to-investment ratio rather than guessing rupee amounts. It is a starting point — not personalised advice — but the framework helps build the right investing habits. Backed by AMFI Registered MFD Nithin Finserv, Bengaluru.

What is the Investment Planner?

Investment planning is the process of deciding how much of your income to invest, in what asset classes, and for how long. A salary-to-investment heuristic ('what % of my income should I invest?') provides a quick anchor point for the rupee decision. Personal finance experts generally recommend 20–30% of take-home for investments at most career stages, scaling higher with age and lower for early-career professionals with high rent/EMI/dependents.

How it works — the formula

The calculator uses a heuristic of (35 − age) × 1.2, clamped between 10% and 40%, to suggest an equity allocation as a percentage of monthly salary. The recommended rupee amount = salary × recommended %. The future-corpus projection then runs that monthly amount through the standard SIP compounding formula over your chosen horizon at the assumed return rate.

How to use this calculator

  1. 1Enter your monthly salary or take-home income
  2. 2Enter your current age
  3. 3Set the expected equity return rate (12% is a fair long-term assumption)
  4. 4Choose your investment horizon — typically until retirement
  5. 5Read the recommended investment percentage, rupee amount, and projected corpus
  6. 6Adjust the inputs to test alternative scenarios (higher allocation, longer horizon, etc.)

Key features

  • ✓Age-based heuristic recommendation
  • ✓Rupee allocation calculated from salary
  • ✓Long-term corpus projection via SIP formula
  • ✓Adjustable for any age, salary, return, and horizon
  • ✓Free, mobile-friendly, no signup

Frequently asked questions

What percentage of salary should I invest in India?
Most personal finance frameworks recommend 20–30% of take-home for investments, scaling higher with age and lower for early-career professionals with high rent/EMI. Always invest at least enough to cover retirement plus one major life goal.
Is this calculator a substitute for financial advice?
No — it's a heuristic for illustration. A real financial plan considers liabilities, dependents, risk tolerance, insurance cover, and existing assets. Talk to a SEBI-registered investment adviser for personalised advice.
Does this account for emergency fund and insurance?
No. Always build a 6-month emergency fund (in a liquid fund or savings account) and adequate term + health insurance cover before scaling up SIPs significantly.
Should the % include EPF contributions?
EPF is part of total long-term savings but it's typically debt-only. The age-based heuristic in this calculator targets equity allocation specifically. Treat EPF as the debt component of your overall portfolio.
What if I have a large home loan EMI?
Reduce the equity allocation slightly — perhaps to 60% of the heuristic value — and prioritise prepaying the home loan if the loan rate is higher than your expected debt-fund returns.
Can this work for self-employed people?
Yes, treat 'salary' as average monthly take-home income. Self-employed individuals typically need higher emergency funds (12 months instead of 6) due to income variability.
Should young investors go 100% equity?
A 25-year-old with no dependents could go 90%+ equity. The age-based heuristic is conservative — actual allocations should reflect personal risk tolerance, dependents, and horizon.
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