How much SIP for ₹2 crore by age 55, starting at 40?
You have 15 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 ₹39,637 a month if you never increase it
- Total you invest (with step-up)
- ₹87,81,124
- Growth from the market
- ₹1,12,18,876
- ₹2 crore in today's rupees
- ₹83,45,301
- Monthly SIP in the final year
- ₹87,461
| Monthly SIP needed | At 8% return | At 10% return | At 12% return |
|---|---|---|---|
| Same amount every month | ₹57,414 | ₹47,856 | ₹39,637 |
| Starting amount, raised 10% a year | ₹31,171 | ₹26,890 | ₹23,031 |
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 55 has the buying power of about ₹83.45 lakh today. To have ₹2 crore in today's money, you would need about ₹4.79 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 ₹2 crore by 55 if I start at 40?
About ₹39,637 a month for 15 years at an assumed 12% return, or ₹23,031 to start if you raise it 10% every year. At a more cautious 10% return, the figures are ₹47,856 flat or ₹26,890 with a step-up.
Will ₹2 crore be enough at 55?
It depends on your expenses. At 6% inflation, ₹2 crore in 15 years buys roughly what ₹83.45 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 10 years, and the starting SIP with a 10% step-up at 12% rises to ₹59,271 a month, about 2.6 times as much.
Related goals
₹2 crore by 50, ₹2 crore by 60, ₹1 crore by 55, ₹5 crore by 55
Assumes monthly investments at the start of each month, compounded monthly, before tax and fund expenses. For education only, not investment advice.