SIP for Retirement Planning — How Much to Invest Each Month
6 min read May 9, 2026By TheCalcUniverse Editorial
Starting a retirement SIP early dramatically reduces the monthly amount needed. A 25-year-old needs only ₹5,000/month for a ₹2 crore retirement corpus. A 35-year-old needs ₹15,000/month.
SIP for Retirement — The Advantage of Starting Early
Retirement SIPs benefit enormously from time. The monthly investment needed drops dramatically the earlier you start. For a ₹2 crore retirement corpus at age 60 assuming 12% returns: starting at 25 needs ₹4,500/month, at 30 needs ₹8,000/month, at 35 needs ₹14,000/month, at 40 needs ₹25,000/month, at 45 needs ₹47,000/month.
From SIP to SWP in Retirement
During your working years, you build the corpus through SIP. In retirement, you use an SWP (Systematic Withdrawal Plan) to generate monthly income from that corpus. A well-planned SIP-to-SWP strategy ensures your savings last throughout retirement. The SWP calculator helps you plan the withdrawal phase.
Plan Your Retirement SIP
Use our SIP calculator to find your monthly investment target.
