How Much Should a 30-Year-Old Invest Monthly to Build ₹2 Crore?

Planning for retirement early can make wealth creation far easier, and a SIP calculator helps estimate how much you need to invest each month to reach your goal. For a 30-year-old targeting a retirement corpus of ₹2 crore, the required investment depends on expected returns, duration, and consistency.

The Role of Time in Wealth Creation

Starting at age 30 provides a long investment horizon of about 30 years if you plan to retire at 60. A longer tenure means lower monthly investments because compounding works more effectively. Even small, regular contributions can snowball into a significant corpus.

Scenario-Based Examples for Better Clarity

To understand how SIPs compound over long periods, here are two realistic scenarios for a 30-year-old investing until age 60.

Example 1: Investing ₹10,000 per month

If you invest ₹10,000 per month for 30 years at a 12% annual return, your total investment will be ₹36,00,000 (₹0.36 crore). 

Thanks to long-term compounding, the investment can grow to about ₹3,52,99,138, which is approximately ₹3.53 crore. This means the estimated wealth created through returns alone is roughly ₹3.17 crore, showing how a steady SIP and long duration can build a multi-crore corpus.

Example 2: Investing ₹7,000 per month

If you invest ₹7,000 per month for 30 years at an expected annual return of 12%, your total contribution over the entire period will be ₹25,20,000 (₹0.25 crore). 

With the power of compounding, this amount can grow to ~₹2,47,09,396, which is about ₹2.47 crore. 

Out of this, nearly ₹2.22 crore comes purely from investment returns, highlighting how consistent SIP investing over a long duration can help build a substantial corpus even with a modest monthly amount.

These examples highlight how increasing your monthly investment, even moderately, can significantly boost long-term wealth creation. They also demonstrate how starting early gives you a comfortable runway to build a substantial retirement fund.

Practical Tips for Investors

Those beginning at age 30 should gradually increase their SIP amount with rising income. Opting for step-up SIPs, where the investment grows annually by a fixed percentage, is a practical way to reach the ₹2 crore target faster. 

Also Read: SIP Calculator: Can ₹20000 Monthly Build ₹50 Lakh for Child’s Education?

Conclusion

A 30-year-old aiming for a ₹2 crore retirement corpus can reach the goal with disciplined SIP investing. Using a SIP calculator provides clarity and helps adjust contributions based on realistic return expectations. Starting early, staying consistent, and reviewing the plan regularly are key to building a secure retirement.

Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a private recommendation/investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions.

Mutual Fund investments are subject to market risks, read all scheme-related documents carefully.