Scenario
SIP needed for ₹50 lakh in 10 years — illustrative
Shorter-horizon corpus goal—useful for house down-payment style targets.
Illustrative result
Assumptions: target ₹50,00,000 · 12.00% p.a. · 10 years. Not a guarantee.
Remaining target
₹50,00,000
Required monthly SIP
₹21,520
Total you'd invest
₹25,82,400
Sensitivity check
Same scenario with alternate assumptions—use this to avoid anchoring on a single optimistic number.
| Assumption | Result |
|---|---|
| 8.00% p.a. | ₹27,149 / month |
| 10.00% p.a. | ₹24,207 / month |
| 12.00% p.a. | ₹21,520 / month |
How to read this
Shorter deadlines leave less room for equity volatility. Pair a required-SIP number with an emergency fund and realistic risk level.
Also price the goal in future rupees if costs will inflate (education, property).
- Confirm the assumptions match your cash flow and time horizon.
- Stress-test a more conservative rate, tenure or FOIR in the table above.
- Open the live calculator and save or share your customised case.
FAQ
- Is the required SIP advice?
- No. It is reverse math under your assumed return. Change the rate downward to see a more conservative contribution need.
- What if I already have savings?
- Subtract them from the target (Goal Planner supports a current corpus). Existing money reduces the remaining SIP gap.
Related guides
Related scenarios
Scenario path /retirement/50-lakh-in-10-years · Aaru Wealth. Educational estimates only—not financial, tax or lending advice.