Mutual Fund SIP Calculation: While starting SIP investing early is considered the best way to increase wealth in the long run, the money you can accumulate by investing in small amounts from a young age may actually surprise you. For example, if you start investing via SIP at the age of 25, the monthly amount required to reach Rs 10 crore in retirement at the age of 60 is only Rs 15,000 if the return is 12%. But if you delay and start at age 35, the required monthly SIP will rise more than 3x more at Rs 52,697. At the age of 40, the amount required will exceed Rs 1 lakh, according to FundsIndia Wealth Conversation Report for May 2023.

Below is a look at the SIP amount required at different stages of life to reach Rs 10 crore on retirement at age 60 at a rate of return of 12% per annum, according to the report.

**Age 20:** You need to invest Rs 8419/month in a SIP to get Rs 10 crore at age 60 if the rate of return is 12% per annum.

**Age 21:** You need to invest Rs 9493/month in a SIP to get Rs 10 crore at age 60 if the rate of return is 12% per annum.

**Age 22:** You need to invest Rs 10,710/month in a SIP to get Rs 10 crore at age 60 if the rate of return is 12% per annum.

**Age 23:** You need to invest Rs 12,085/month in a SIP to get Rs 10 crore at age 60 if the rate of return is 12% per annum.

**Age 24: **You need to invest Rs 13,639/month in a SIP to get Rs 10 crore at age 60 if the rate of return is 12% per annum.

**Also read: The inflow of Equity Mutual Funds falls sharply. What should SIP investors do?**

**Age 25:** You need to invest Rs 15,396/month in a SIP to get Rs 10 crore at age 60 if the rate of return is 12% per annum.

**Age 26: **You need to invest Rs 17,383/month in a SIP to get Rs 10 crore at age 60 if the rate of return is 12% per annum.

**Age 27:** You need to invest Rs 19,631/month in a SIP to get Rs 10 crore at age 60 if the rate of return is 12% per annum.

**Age 28: **You need to invest Rs 22,176/month in a SIP to get Rs 10 crore at age 60 if the rate of return is 12% per annum.

**Age 29:** You need to invest Rs 25,060/month in a SIP to get Rs 10 crore at age 60 if the rate of return is 12% per annum.

**Age 30:** You need to invest Rs 28,329/month in a SIP to get Rs 10 crore at age 60 if the rate of return is 12% per annum.

**Age 31:** You need to invest Rs 32,038/month in a SIP to get Rs 10 crore at age 60 if the rate of return is 12% per annum.

**Read also: What to do if your SIP of the investment fund has yielded less than the fixed investment return in 1 year?**

**Age 32:** You need to invest Rs 36,250/month in a SIP to get Rs 10 crore at age 60 if the rate of return is 12% per annum.

**Age 33:** You need to invest Rs 41,039/month in a SIP to get Rs 10 crore at age 60 if the rate of return is 12% per annum.

**Age 34:** You need to invest Rs 46,488/month in a SIP to get Rs 10 crore at age 60 if the rate of return is 12% per annum.

**Age 35:** You need to invest Rs 52,697/month in a SIP to get Rs 10 crore at age 60 if the rate of return is 12% per annum.

**Age 36:** You need to invest Rs 59,784/month in a SIP to get Rs 10 crore at age 60 if the rate of return is 12% per annum.

**Age 37:** You need to invest Rs 67,886/month in a SIP to get Rs 10 crore at age 60 if the rate of return is 12% per annum.

**Age 38:** You need to invest Rs 77,167/month in a SIP to get Rs 10 crore at age 60 if the rate of return is 12% per annum.

**Age 39:** You need to invest Rs 87,821/month in a SIP to get Rs 10 crore at age 60 if the rate of return is 12% per annum.

**Also Read: Retirement Planning: How Can An Employee Plan His Retirement In India?**

**Age 40: **You need to invest Rs 1,00,085/month in a SIP to get Rs 10 crore at age 60 if the rate of return is 12% per annum.

**Age 41:** You need to invest Rs 1,14,243/month in a SIP to get Rs 10 crore at age 60 if the rate of return is 12% per annum.

**Age 42**: You need to invest Rs 1,30,644/month in a SIP to get Rs 10 crore at age 60 if the rate of return is 12% per annum.

**Age 43:** You need to invest Rs 1,49,718/month in a SIP to get Rs 10 crore at age 60 if the rate of return is 12% per annum.

**Age 44:** You need to invest Rs 1,72,005/month in a SIP to get Rs 10 crore at age 60 if the rate of return is 12% per annum.

**Age 45: **You need to invest Rs 1,98,186/month in a SIP to get Rs 10 crore at age 60 if the rate of return is 12% per annum.

**Age 46:** You need to invest Rs 2,29,138/month in a SIP to get Rs 10 crore at age 60 if the rate of return is 12% per annum.

**Age 47: **You need to invest Rs 2,66,006/month in a SIP to get Rs 10 crore at age 60 if the rate of return is 12% per annum.

**Age 48: **You need to invest Rs 3,10,316/month in a SIP to get Rs 10 crore at age 60 if the rate of return is 12% per annum.

**Age 49:** You need to invest Rs 3,64,146/month in a SIP to get Rs 10 crore at age 60 if the rate of return is 12% per annum.

**Read also: Not getting a good return? 5 ways to improve your investment returns**

**Age 50:** You need to invest Rs 4,30,405/month in a SIP to get Rs 10 crore at age 60 if the rate of return is 12% per annum.

**Age 51:** You need to invest Rs 5,13,290/month in a SIP to get Rs 10 crore at age 60 if the rate of return is 12% per annum.

**Age 52:** You need to invest Rs 6,19,093/month in a SIP to get Rs 10 crore at age 60 if the rate of return is 12% per annum.

**Age 53:** You need to invest Rs 7,57,696/month in a SIP to get Rs 10 crore at age 60 if the rate of return is 12% per annum.

**Age 54: **You need to invest Rs 9,45,564/month in a SIP to get Rs 10 crore at age 60 if the rate of return is 12% per annum.

**Age 55:** You need to invest Rs 12,12,322/month in a SIP to get Rs 10 crore at age 60 if the rate of return is 12% per annum.

**Disclaimer: The above content is for informational purposes only. Investments in mutual funds are subject to market risks. There is no assurance or guarantee that any fund will return 12% or more. Consult your financial advisor before investing)**