Investors · Students

Start with ₹500.
Seriously.

You don't have money. You have something every investor with money wishes they could buy back: time. Forty years of it. A tiny SIP started now beats a big one started "someday" — by a distance that will genuinely annoy your future colleagues.

What ₹500 a month is
Two food-app deliveries skipped
One streaming subscription shared instead
At 60, at 12% a year ₹64 L+
Not a typo. That's what four decades does to pocket change.
The head-start calculator

You, versus you-who-waited.

Same SIP, same returns, same retirement age. The only difference: one of you starts today, the other starts at 30.

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{{ ret }}% p.a.
The cost of waiting until 30
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Both of you, at age 60
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Starts at {{ age }}
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Starts at 30
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The head start isn't the money you put in. It's the {{ headStartYears }} extra years of compounding nobody can give back.
Illustration only — returns are not guaranteed. Mutual fund investments are subject to market risks.
Your first three moves

No jargon. No minimums that scare. No lectures.

Move one
Open the SIP before the excuses
One index fund, ₹500 a month, auto-debited the day your allowance or stipend lands. Perfect is the enemy of started.
Move two
Build the ₹10,000 cushion
A tiny emergency fund in a liquid fund — so a broken laptop never becomes a broken SIP or a credit-card spiral.
Move three
Step up with the first salary
When the offer letter arrives, the ₹500 becomes ₹5,000 before lifestyle gets a vote. The step-up calculator shows why →

Your 60-year-old self says thanks.

Questions cost nothing here — no minimum balance, no sales pitch, no judgement about the food-app orders.

akshay@alpharouteplus.com Start with a question