Dreaming of a ₹50K monthly retirement? Let's decode the SIP magic needed to turn that dream into reality in 20 years. Don't just dream, plan!
That ₹50,000 won't buy the same in 20 years! Due to 6% inflation, it'll feel like ₹15,595. Inflation is the silent killer of retirement dreams. Don't ignore it!
To enjoy ₹50,000 purchasing power in 20 years, you'll actually need **₹160,357** per month when you retire. This is your inflation-adjusted target!
Based on an 8% annual withdrawal rate for ₹1.6 Lakh/month, you'll need a total retirement corpus of approx. **₹2.4 Crores** in 20 years.
A consistent SIP of ₹24,240/month (12% return) hits ₹2.4 Cr. OR start with just **₹8,500 - ₹9,000** with a 10% annual step-up SIP! Manageable magic.
Choose Flexi/Large & Mid-Cap Funds. Diversify across 2-3 funds. Never stop SIPs during downturns. Review annually, but don't chase returns! Start early!
Ready to build your future? Use the free SIP & Goal Calculators on sipplancalculator.in to customize your plan. Your future self will thank you!