Archive · 22 Aug 2026
Monthly SIP Needed to Build ₹5 Crore Retirement Corpus
A SIP means investing a fixed amount of money every month.
A 30-year-old who wants ₹5 crore by age 60 may need to invest about ₹14,500 each month.
This assumes the investment earns 12% every year.
Over 30 years, the person would invest about ₹52.20 lakh themselves.
The remaining growth would come from compounding, where earlier returns help generate more returns.
The estimated final amount is about ₹5.12 crore.
Investment returns are not guaranteed and can rise or fall.
Inflation and future expenses should also be considered when planning for retirement.
A 30-year-old investing until age 60 would need an estimated ₹14,500 monthly SIP.
The calculation assumes a fixed SIP and an annual return of 12%.
At ₹14,500 per month for 30 years, total contributions would be about ₹52.20 lakh.
The projected final corpus is approximately ₹5.12 crore under these assumptions.
The required SIP rises from ₹8,000 at age 25 to ₹50,000 at age 40.
- Who
- Investors planning for retirement, including a 30-year-old investor.
- What
- The estimated monthly SIP required to build a ₹5 crore retirement corpus.
- When
- From the investor’s current age until age 60; for a 30-year-old, the investment period is 30 years.
- Where
- In mutual funds, according to calculations from Mutual Funds Sahi Hai.
- Why
- To accumulate a targeted retirement corpus of ₹5 crore.
- Target corpus
- ₹5 crore
- 30-year-old’s monthly SIP
- Approximately ₹14,500
- Investment period
- 30 years, assuming retirement at age 60
- Total contribution at age 30
- Approximately ₹52.20 lakh
- Projected corpus at age 30
- Approximately ₹5.12 crore
- Assumed annual return
- 12%, which is not guaranteed
- Other planning factors
- Inflation, salary growth, expenses, health insurance premiums, education costs and EMIs can affect the required amount