Scenario
SIP needed for ₹2 crore in 20 years — illustrative
Long-horizon wealth target with required monthly SIP under an assumed return.
Illustrative result
Assumptions: target ₹2,00,00,000 · 12.00% p.a. · 20 years. Not a guarantee.
Remaining target
₹2,00,00,000
Required monthly SIP
₹20,017
Total you'd invest
₹48,04,080
Sensitivity check
Same scenario with alternate assumptions—use this to avoid anchoring on a single optimistic number.
| Assumption | Result |
|---|---|
| 8.00% p.a. | ₹33,730 / month |
| 10.00% p.a. | ₹26,120 / month |
| 12.00% p.a. | ₹20,017 / month |
How to read this
Long horizons make consistent investing more important than picking a precise forecast. Review allocation yearly; avoid constant tinkering.
Use Wealth Planning guides on emergency funds and asset allocation before maximising SIP size.
- 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 /wealth-planning/2-crore-in-20-years · Aaru Wealth. Educational estimates only—not financial, tax or lending advice.