How much SIP for ₹1 crore by age 50, starting at 40?
You have 10 years. Here is the monthly investment that gets you to ₹1 crore, worked out at three return assumptions, with and without a yearly step-up.
Start with this every month, raise it 10% each year (at 12%)
or ₹43,041 a month if you never increase it
- Total you invest (with step-up)
- ₹56,67,771
- Growth from the market
- ₹43,32,229
- ₹1 crore in today's rupees
- ₹55,83,948
- Monthly SIP in the final year
- ₹69,879
| Monthly SIP needed | At 8% return | At 10% return | At 12% return |
|---|---|---|---|
| Same amount every month | ₹54,299 | ₹48,414 | ₹43,041 |
| Starting amount, raised 10% a year | ₹36,259 | ₹32,832 | ₹29,636 |
Reading this honestly
A 12% yearly return is a common long-run assumption for a diversified equity fund, but it is not guaranteed, and real returns arrive unevenly. The 8% column is closer to what a balanced or debt-heavy portfolio might earn. If you can afford the 10% column, you have built in a margin of safety.
Inflation matters as much as returns. At 6% a year, ₹1 crore at age 50 has the buying power of about ₹55.84 lakh today. To have ₹1 crore in today's money, you would need about ₹1.79 crore by then.
Want to try your own numbers? The SIP calculator lets you change every assumption.
Questions people ask
How much SIP do I need for ₹1 crore by 50 if I start at 40?
About ₹43,041 a month for 10 years at an assumed 12% return, or ₹29,636 to start if you raise it 10% every year. At a more cautious 10% return, the figures are ₹48,414 flat or ₹32,832 with a step-up.
Will ₹1 crore be enough at 50?
It depends on your expenses. At 6% inflation, ₹1 crore in 10 years buys roughly what ₹55.84 lakh buys today. Use the FIRE calculator to work out the corpus your own spending needs.
What if I start five years later?
Starting at 45 instead of 40 gives you 5 years, and the starting SIP with a 10% step-up at 12% rises to ₹1,01,567 a month, about 3.4 times as much.
Related goals
₹1 crore by 55, ₹1 crore by 60, ₹2 crore by 50, ₹5 crore by 50
Assumes monthly investments at the start of each month, compounded monthly, before tax and fund expenses. For education only, not investment advice.