Written by the Bini team · Last updated: October 2026
There is no single right SIP amount. The best monthly figure is one that fits your income after essential expenses and still leaves room for emergency savings and one you can keep paying for years. If you can only manage ৳ 1,000, start there.
Start with your real monthly cash flow
Use this simple formula:
Monthly income − essential expenses − existing commitments = money available
Essential expenses means rent, food, transport, bills, school fees and anything you can't skip. Commitments means loan installments and family support you've already promised.
A worked example
| Item | Amount per month |
|---|---|
| Income | ৳ 50,000 |
| Essential expenses and commitments | ৳ 35,000 |
| Money available | ৳ 15,000 |
Does that mean investing all ৳ 15,000? Probably not. You still need room for irregular costs like medical bills, Eid expenses or a broken phone. One way to split it:
| Use | Amount | Purpose |
|---|---|---|
| Emergency fund | ৳ 5,000 | Builds your safety net first |
| SIP | ৳ 5,000 | Long-term investing |
| Buffer | ৳ 5,000 | Irregular and one-off costs |
This is only one way to divide it. Your numbers, family situation and goals will be different.
Build an emergency fund alongside your SIP
A common rule of thumb is three to six months of essential expenses. With ৳ 35,000 of monthly expenses, that works out to ৳ 105,000 to ৳ 210,000.
An emergency fund means you won't have to sell your other investments at a bad time to cover a surprise bill. How much you need depends on how stable your income is. A government employee and a freelancer don't need the same cushion.
You can also build this emergency fund by starting a SIP in an income fund.
What if you can only afford ৳ 1,000?
Then start with ৳ 1,000. Some funds allow SIPs from that amount. A small SIP that runs for years does more than a big one you cancel after two months.
You can raise it later when your income grows.
How to increase your SIP over time
Review your SIP once a year or when something big changes:
- You get a raise or a new job
- A loan finishes
- Your expenses go up, for example a new baby
- You reach a goal and set a new one
- Your comfort with risk changes
A simple habit is to raise your SIP by a small amount each time your income goes up.
A SIP is one part of the plan
A bigger SIP isn't automatically a better plan. It works alongside your emergency fund, your insurance, any debt you're paying down and your other savings. If you carry high-interest debt, paying it down may deserve attention first.
Frequently asked questions
What percentage of my income should go to SIP?
There's no fixed percentage. Work from what's left after essentials and emergency savings and choose an amount you can sustain.
Should I build an emergency fund before starting a SIP?
Many people do both at once, starting small on each. Having some cushion first helps you avoid selling investments in a hurry. You can also build the emergency fund itself by starting a SIP in an income fund.
Is ৳ 1,000 per month too little?
No. ৳ 1,000 a month is the minimum SIP on EDGE, Ekush and CWT funds on Bini, so it is a real start and you can increase it later.
Can I change my SIP amount later?
That depends on the fund and platform. Check the fund's terms before you begin.