SIP Calculator: How Much Should I Invest Monthly at My Current Age of 30 to Get ₹50 Lakh Corpus in 15 Yrs?

Written by: Neha DubeyUpdated on: 22 Dec 2025, 8:32 pm IST

A monthly SIP of ₹10,000 can help a 30-year-old investor target a ₹50 lakh corpus over 15 years.

A Systematic Investment Plan (SIP) enables investors to build wealth over time by investing a fixed amount at regular intervals.

Estimating how much to invest at a given age to achieve a target corpus is crucial for effective financial planning.

Using a SIP calculator provides a clear projection of outcomes based on the investment amount, tenure, and expected annual returns.

For a 30-year-old investor, a monthly SIP of ₹10,000 illustrates how these factors combine to reach a ₹50 lakh corpus.

Using a SIP Calculator for Goal Planning

A SIP calculator generates projections using the monthly investment amount, investment duration, and an assumed annual return rate.

These inputs help estimate the future value of the investment and the expected returns component. Calculations are indicative and based on past performance trends, not guaranteed outcomes.

Monthly SIP of ₹10,000

For a 30-year-old investor contributing ₹10,000 per month over 15 years, assuming an expected annual return of 12%, the following outcome is projected:

Invested Amount: ₹18,00,000
Projected Corpus: ₹50,45,760
Estimated Returns: ₹32,45,760

Time Required to Reach a ₹50 Lakh Corpus

The projection shows that a ₹10,000 monthly SIP, assuming a 12% annual return, may achieve a ₹50 lakh corpus in 15 years.

Variations in expected returns or investment duration will adjust the required SIP amount or timeline.

Investors can modify contributions or tenure according to risk appetite and financial goals.

Conclusion

A SIP calculator provides a practical method to estimate the monthly investment needed to reach a specific corpus.

Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a personal 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 in the securities market are subject to market risks, read all the related documents carefully before investing.

Published on: Dec 22, 2025, 2:59 PM IST

Neha Dubey

Neha Dubey is a Content Analyst with 3 years of experience in financial journalism, having written for a leading newswire agency and multiple newspapers. At Angel One, she creates daily content on finance and the economy. Neha holds a degree in Economics and a Master’s in Journalism.

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