How Much SIP You Need at Each Age to Reach ₹1 Crore by 45

A reality check on how age affects your SIP burden — and why time matters more than income.

Quick takeaway
Every year of delay dramatically increases the monthly SIP required. Starting early keeps goals realistic and stress-free.

The Power of Starting Early

Many investors aim to accumulate ₹1 crore by mid-life, but underestimate how much time influences the required monthly investment.

The difference between starting at 25 versus 35 is not small — it can more than double your SIP.

Age-wise SIP Required to Reach ₹1 Crore by 45

The table below assumes a 12% annual return, typical of long-term equity investing in India.

Age when you start Years to invest Monthly SIP required
25 20 years ₹6,200
30 15 years ₹9,500
35 10 years ₹24,000
40 5 years ₹1,05,000+
⚠️ Figures are approximate and assume disciplined monthly investing without interruptions.

What This Table Really Tells Us

The math is unforgiving. Delaying investments doesn’t just increase effort — it increases pressure.

❌ After a point, goals become mathematically unrealistic without very high income or extreme risk.

Starting early keeps SIPs manageable and allows flexibility during life events.

If You’re Starting Late, What Can You Do?

✅ Even late starters can build meaningful wealth with discipline and realistic expectations.

Time is the most valuable asset in investing.
You can’t control markets — but you can control when you start.