How much SIP for ₹2 crore by age 50, starting at 40?
You have 10 years. Here is the monthly investment that gets you to ₹2 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 ₹86,081 a month if you never increase it
- Total you invest (with step-up)
- ₹1,13,35,543
- Growth from the market
- ₹86,64,457
- ₹2 crore in today's rupees
- ₹1,11,67,896
- Monthly SIP in the final year
- ₹1,39,758
| Monthly SIP needed | At 8% return | At 10% return | At 12% return |
|---|---|---|---|
| Same amount every month | ₹1,08,598 | ₹96,828 | ₹86,081 |
| Starting amount, raised 10% a year | ₹72,518 | ₹65,663 | ₹59,271 |
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, ₹2 crore at age 50 has the buying power of about ₹1.12 crore today. To have ₹2 crore in today's money, you would need about ₹3.58 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 ₹2 crore by 50 if I start at 40?
About ₹86,081 a month for 10 years at an assumed 12% return, or ₹59,271 to start if you raise it 10% every year. At a more cautious 10% return, the figures are ₹96,828 flat or ₹65,663 with a step-up.
Will ₹2 crore be enough at 50?
It depends on your expenses. At 6% inflation, ₹2 crore in 10 years buys roughly what ₹1.12 crore 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 ₹2,03,134 a month, about 3.4 times as much.
Related goals
₹2 crore by 55, ₹2 crore by 60, ₹1 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.