₹1 crore (ya koi bhi target) banane ke liye kitna monthly SIP chahiye? Ya aapki current SIP se crorepati banne mein kitne saal lagenge? Inflation reality check ke saath.
12% annual return assume karte hue (equity mutual funds ka long-term historical average):
| Time Period | Required Monthly SIP | Total Investment |
|---|---|---|
| 10 years | ~₹43,500 | ~₹52 Lakh |
| 15 years | ~₹20,000 | ~₹36 Lakh |
| 20 years | ~₹10,100 | ~₹24 Lakh |
| 25 years | ~₹5,300 | ~₹16 Lakh |
| 30 years | ~₹2,900 | ~₹10.4 Lakh |
Compounding ka magic dekho: 10 saal mein crorepati banne ke liye ₹43,500/month chahiye, lekin 30 saal mein sirf ₹2,900/month! Jitna jaldi start, utna aasaan. Time market mein spend karo, timing mat karo.
12% return par: 10 saal = ~₹43,500/month, 15 saal = ~₹20,000/month, 20 saal = ~₹10,100/month, 25 saal = ~₹5,300/month. Jitna zyada time, utna kam SIP.
Haan! 12% return par ₹5,000/month ~26 saal mein ₹1 crore ban jaata hai. 15% par ~23 saal. Early start hi asli secret hai.
Indian equity mutual funds ne historically 10-14% annualized diya hai long-term. Safe planning ke liye 10-12% use karo. 15%+ assume karna risky hai.
Inflation (~6%) ki wajah se 20 saal baad ₹1 crore ki purchasing power aaj ke ~₹31 lakh jitni hogi. Retirement ke liye ₹2-3 crore+ target karna better hai - calculator mein ₹2/5/10 crore options hain.
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