Planning for retirement requires clarity, discipline, and realistic assumptions. Many investors wonder how much they need to invest every month to build a sizeable retirement corpus.
Using a structured approach and a SIP calculator, we can understand how a monthly systematic investment plan can grow into more than ₹15 crore over a 30-year period at an assumed 12 percent annualised return.
To accumulate over ₹15 crore in 30 years at an expected annualised return of 12 percent, the required monthly SIP works out to ₹45,000.
Here is the detailed break up:
This clearly shows the power of long-term compounding. The total invested amount is ₹1.62 crore, while the growth generated through returns is more than ₹14.26 crore.
Compounding is the process where returns generated on investments start earning returns themselves. In the early years, the growth may appear slow. However, as the accumulated amount increases, the impact of compounding becomes significantly stronger.
In this case, although the investor contributes ₹45,000 every month, the majority of the final corpus is created through growth rather than direct contribution. Over a 30 year horizon, time becomes the biggest contributor to wealth creation.
A retirement corpus of ₹15 crore may sound ambitious, but when viewed over a 30-year horizon, it becomes a matter of disciplined investing and compounding. The idea is not about chasing extraordinary returns, but about allowing time and consistency to do the heavy lifting.
With rising life expectancy and increasing cost of living, a large retirement corpus provides financial security, flexibility, and the ability to maintain a comfortable lifestyle after active income stops.
Read More: SIP Calculator: How ₹25,000 SIP Beats ₹50,000; Why Longer Tenure Matters More Than Larger Amounts!
Building a retirement corpus of over ₹15 crore through a monthly SIP is mathematically achievable with consistency and time. With a ₹45,000 monthly SIP invested for 30 years at an assumed 12 percent annualised return, the corpus can grow to approximately ₹15.88 crore, with the majority coming from compounded returns.
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 are subject to market risks, read all the related documents carefully before investing.
Published on: Feb 20, 2026, 3:35 PM IST
Team Angel One
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