Save ₹1.00 Cr for a retirement corpus by age 50
Start at age 30 and you have 20 years. At a projected 12% annual return, a flat SIP of about ₹10,009 a month reaches the target. The calculator below lets you replace that assumption with your own.
₹10,009
₹1.00 Cr
₹24.02 L
₹75.98 L
₹31.18 L
Your ₹1.00 Cr is reduced to ₹31.18 L in today's purchasing power at 6% inflation. That's 69% less than the headline number.
How this result is calculated
Formula: Each monthly contribution earns the selected annual return divided by 12. Contributions are added at the start of each month; an enabled step-up raises them once a year. Goal mode reverses the same calculation to estimate the starting monthly SIP.
Active assumptions: 12% annual return, 6% annual inflation, with no annual step-up. Returns and inflation are constant estimates, not forecasts or guaranteed outcomes.
Tax treatment (2026–27): When enabled, the estimate treats all gains as long-term gains from an equity-oriented fund, applies one ₹1.25 L exemption, then 12.5% tax and 4% cess. It does not model holding periods, other capital gains or losses, surcharge, STT, or fund-specific tax treatment.
Educational estimate only, not investment or tax advice. Rules and your circumstances may differ. Last verified 2 July 2026.
Income Tax Department: Income-tax Act, 2025Union Budget: capital-gains changesRBI: inflation target framework
Investment Growth Over Time
Chart from year 1 to year 20. Total Value changes from ₹1.3L to ₹1.0Cr. Invested changes from ₹1.2L to ₹24.0L. After Inflation changes from ₹1.2L to ₹31.2L.
| Target | Monthly SIP | Your contributions | Projected growth |
|---|---|---|---|
| ₹1.00 Cr | ₹10,009 | ₹24.02 L | ₹75.98 L |
What the monthly target assumes
The calculation treats ₹10,009 as a flat monthly SIP paid for 240 months. At 12%, those payments grow to at least ₹1.00 Cr. You put in about ₹24.02 L; projected market growth accounts for roughly ₹75.98 L. Returns will not arrive in a straight line, and a lower return means a shortfall unless you raise the contribution.
How this goal changes the plan
For this retirement corpus, This target suits someone using equity for the growth portion of retirement savings while keeping EPF, NPS, and other assets separate.
Check the target amount once a year. If the expected cost rises, update it first and let the monthly SIP follow. A salary increase can fund a step-up, but do not count that future increase in today's base plan unless you can maintain it.
Age matters because time does the heavy lifting
Starting at 30 gives this plan 20 years to compound before age 50. Cutting the horizon forces each monthly payment to carry more of the target. Extending it does the opposite. Use the time-period control above to compare the monthly amount at one year earlier and one year later before settling on a contribution.
Tax and return assumptions
The 12% return is an illustration, not a promised mutual-fund return. The target is shown before exit tax. Equity gains may attract long-term capital-gains tax when units are sold, so leave room above the target or model tax in the full SIP calculator. LTCG assumptions effective 2024-07-23; source: Income Tax Department.
Frequently Asked Questions
How much should I invest each month for a ₹1.00 Cr retirement corpus?
How much of the ₹1.00 Cr target comes from my contributions?
What if I start this goal later?
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Written by Amir Khan, a contributor to RupeeReality: free financial calculators for Indian investors. All calculations use standard financial formulas cross-referenced against established platforms. Numbers updated for FY 2026-27. Not financial advice.