How much SIP for ₹4 crore by age 60, starting at 40?
You have 20 years. Here is the monthly investment that gets you to ₹4 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 ₹40,034 a month if you never increase it
- Total you invest (with step-up)
- ₹1,38,22,914
- Growth from the market
- ₹2,61,77,086
- ₹4 crore in today's rupees
- ₹1,24,72,189
- Monthly SIP in the final year
- ₹1,23,003
Value at the end of each year, by age. 10% yearly step-up, 12% a year return.
| Monthly SIP, if returns are | 8% | 10% | 12% |
|---|---|---|---|
| Same amount every month | ₹67,460 | ₹52,240 | ₹40,034 |
| Starting amount, raised 10% a year | ₹30,132 | ₹24,775 | ₹20,112 |
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, ₹4 crore at age 60 has the buying power of about ₹1.25 crore today. To have ₹4 crore in today's money, you would need about ₹12.83 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 ₹4 crore by 60 if I start at 40?
About ₹40,034 a month for 20 years at an assumed 12% return, or ₹20,112 to start if you raise it 10% every year. At a more cautious 10% return, the figures are ₹52,240 flat or ₹24,775 with a step-up.
Will ₹4 crore be enough at 60?
It depends on your expenses. At 6% inflation, ₹4 crore in 20 years buys roughly what ₹1.25 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 15 years, and the starting SIP with a 10% step-up at 12% rises to ₹46,063 a month, about 2.3 times as much.
Once you reach ₹4 crore, how much will it pay you every month? See monthly income from ₹4 crore for 25 years.
Related goals
₹4 crore by 50, ₹4 crore by 55, ₹1 crore by 60, ₹2 crore by 60, ₹5 crore by 60, ₹10 crore by 60, ₹20 crore by 60
Assumes monthly investments at the start of each month, compounded monthly, before tax and fund expenses. For education only, not investment advice.