How much SIP for ₹5 crore by age 50, starting at 30?
You have 20 years. Here is the monthly investment that gets you to ₹5 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 ₹50,043 a month if you never increase it
- Total you invest (with step-up)
- ₹1,72,78,642
- Growth from the market
- ₹3,27,21,358
- ₹5 crore in today's rupees
- ₹1,55,90,236
- Monthly SIP in the final year
- ₹1,53,753
| Monthly SIP needed | At 8% return | At 10% return | At 12% return |
|---|---|---|---|
| Same amount every month | ₹84,325 | ₹65,300 | ₹50,043 |
| Starting amount, raised 10% a year | ₹37,665 | ₹30,969 | ₹25,140 |
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, ₹5 crore at age 50 has the buying power of about ₹1.56 crore today. To have ₹5 crore in today's money, you would need about ₹16.04 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 ₹5 crore by 50 if I start at 30?
About ₹50,043 a month for 20 years at an assumed 12% return, or ₹25,140 to start if you raise it 10% every year. At a more cautious 10% return, the figures are ₹65,300 flat or ₹30,969 with a step-up.
Will ₹5 crore be enough at 50?
It depends on your expenses. At 6% inflation, ₹5 crore in 20 years buys roughly what ₹1.56 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 35 instead of 30 gives you 15 years, and the starting SIP with a 10% step-up at 12% rises to ₹57,578 a month, about 2.3 times as much.
Related goals
₹5 crore by 45, ₹5 crore by 55, ₹5 crore by 60, ₹1 crore by 50, ₹2 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.