Dreaming of early retirement? Earning ₹1 lakh/month? Let's decode how much SIP you need to step off the treadmill by 52 in India. Smart planning starts here!
Many professionals earning ₹1 lakh/month in India dream of retiring early. But how much SIP do you need to stop working by 52? It's less magic, more smart planning!
Your future expenses aren't today's. With 6% inflation, ₹55k/month today becomes ₹1.76L/month in 20 yrs! Plan for your *real* future lifestyle.
To sustain ₹1.76L/month expenses at 52 (25x annual expenses), you need ~₹5.3 Crores. A fixed SIP for this? About ₹50,000/month. Daunting, right?
A fixed SIP of ₹50k is tough. But with a 10% annual Step-Up SIP, you could start with just ₹19,000-₹20,000/month to hit ₹5.3 Cr. Manageable!
Diversify into Flexi-cap/Large-cap funds. Avoid underestimating inflation, not stepping up SIPs, starting late, or chasing 'hot' funds. Consistency is key!
Ready to map your path to financial freedom? Use our calculators to find your personalized SIP plan and start your journey today! sipplancalculator.in