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How Much Should I Save for Retirement at Age 30?

📅 08 Aug 2026 ⏱️ 5 min read ✍️ Bhaskar G.

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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 CorpusSIP at Age 30SIP at Age 35SIP 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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