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Starting at 30 gives you 30 years of compounding. Here is your roadmap.
| Target Corpus | SIP at Age 30 | SIP at Age 35 | SIP at Age 40 |
|---|---|---|---|
| ₹1 Crore | ₹2,861 | ₹5,277 | ₹10,009 |
| ₹2 Crore | ₹5,722 | ₹10,554 | ₹20,018 |
| ₹5 Crore | ₹14,305 | ₹26,385 | ₹50,045 |
A 30-year-old needs just ₹2,861/month for ₹1 crore. A 40-year-old needs ₹10,009 — 3.5x more! Start at 30.
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All calculations use standard financial formulas. SIP returns use compound interest formula: FV = PMT × [((1+r)^n - 1) / r]. EMI uses: EMI = P × r × (1+r)^n / [(1+r)^n - 1]. Tax calculations follow Income Tax Act provisions for the current assessment year. Insurance premiums are indicative market averages.
Sources: RBI, SEBI, Income Tax Department of India, CIBIL, IRDA, LIC of India. Data verified as of Aug 2026.
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Disclaimer: This website provides general educational information only and does not provide personalized investment advice or recommendations. Financial decisions should be made after considering individual circumstances and consulting a qualified professional where appropriate. Mutual fund investments are subject to market risks. Please read all scheme-related documents carefully before investing. Past performance does not guarantee future results.