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| Start Age | Years to 60 | Monthly SIP (12%) | Total Invested |
|---|---|---|---|
| 25 | 35 | ₹1,497 | ₹6,28,740 |
| 30 | 30 | ₹2,861 | ₹10,29,960 |
| 35 | 25 | ₹5,277 | ₹15,83,100 |
| 40 | 20 | ₹10,009 | ₹24,02,160 |
| 45 | 15 | ₹19,819 | ₹35,67,420 |
At age 25, you invest only ₹6.29 lakh total to get ₹1 crore. At 45, you invest ₹35.67 lakh! The cost of delay is enormous.
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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.