SIP Calculator: How a ₹15,000 Monthly SIP Can Build ₹10 Crore for Retirement

When it comes to wealth creation, one rule never changes, the earlier you start, the easier it becomes. A retirement corpus of ₹10 crore may sound huge, but with discipline, patience, and the power of compounding, it is within reach.

If you begin a Systematic Investment Plan (SIP) at age 25, investing ₹15,000 per month with an assumed 12% annual return, you can build ₹10 crore by age 60. But delay the start, and the cost goes up. At 30, you’ll need ₹28,000 per month. Wait until 40, and the required SIP shoots up to ₹1,00,000 per month.

The Cost of Delay

This shows the price of procrastination. The later you begin, the more you must invest, making it harder to stay consistent.

Why Compounding Matters

Compounding is when your investments earn returns, and those returns keep earning more over time. It’s like planting a tree, the earlier you plant, the stronger it grows. A small SIP started early can beat a larger SIP started late.

Breaking Down the Numbers

Withdrawing only 3–3.5% of your retirement corpus annually to ensure money lasts a lifetime. With ₹10 crore, this means ₹30–35 lakh per year (₹2.5–2.9 lakh per month), enough to cover expenses, medical needs, and lifestyle comforts. But inflation must also be considered, as it reduces money’s value over time.

How to Begin

• Start with what you can afford, even ₹5,000–₹10,000.
• Increase SIPs as your income grows (step-up by 10% annually if possible).
• Stick with equity mutual funds for long-term growth.
• Stay invested despite market ups and downs.
• Protect your plan with term and health insurance.

Discipline Wins the Game

₹10 crore at 60 is not a dream, but the result of starting early, staying consistent, and letting compounding work for decades.

Read More: SIP Calculator: How Much to Invest Monthly to Reach ₹1 Crore in 10 Years?

Conclusion

Retirement planning is all about time and discipline. By starting early, even with small amounts, and increasing investments gradually, you can create a strong financial cushion for your future. Compounding will do most of the work — all you need to do is begin and stay committed. You can also use a SIP calculator to adjust your monthly investment amount and check how it impacts your retirement corpus. 

Disclaimer: This blog has been written exclusively for educational purposes. The securities or companies mentioned are only examples and not recommendations. This does not constitute a personal recommendation or 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.

Investments in securities are subject to market risks. Read all related documents carefully before investing.