Retirement Planning at 30 — You Have the Biggest Advantage: TIME
Starting at 30 gives you 30 years of compounding. Here is your roadmap.
Monthly SIP Needed (Retire at 60, 12% returns)
| 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.