How a couple earning ₹1.5 lakh/month can build ₹1.24 cr in 10 Years

Only 35% of income goes into wealth creation, leaving room for present enjoyment

Most young couples today struggle with a financial dilemma: Should we enjoy life now or save aggressively for the future? The good news is — with the right balance, you don’t have to choose.

 

A financial plan shared by advisor Vijay Maheshwari on LinkedIn shows how a couple with a combined monthly income of ₹1.5 lakh can live comfortably while still building a ₹1.24 crore corpus in just 10 years.

 

The Couple’s Monthly Budget

 

Total Income: ₹1,50,000/month (combined)

 

Fixed Commitments:

 

₹3,500 – Health Insurance (₹50 lakh mediclaim)

 

₹3,500 – Term Insurance (₹1.5 crore cover)

 

 

₹60,000 – Rent + Utilities

 

₹30,000 – Home & Car EMIs

 

Total Fixed Expenses: ₹97,000

 

 Amount Left for Wealth Creation: ₹53,000/month

 

Investment Plan: Where ₹53,000 Goes

 

₹15,000 → Short-Term Goals (Debt Mutual Funds)

 

₹15,000 → Medium-Term Goals (Hybrid Funds)

 

₹20,000 → Long-Term Wealth (Equity SIPs)

 

₹3,000 → Safety Reserve (Digital Gold)

 

This simple allocation ensures all life goals are covered — from short-term needs to long-term wealth building.

 

10-Year Wealth Projection

 

Debt Funds → ₹27 lakh

 

Hybrid Funds → ₹33 lakh

 

Equity SIPs → ₹58 lakh

 

Gold Reserve → ₹6 lakh

 

 Total Projected Corpus: ₹1.24 crore 

Graphic by Vijay Maheshwari, CWM®

 

Why This Works

 

Balanced approach → Covers immediate, medium, and long-term needs

 

Low stress → Insurance secures risks, so savings aren’t derailed by emergencies

 

Wealth with lifestyle → Only 35% of income goes into wealth creation, leaving room for enjoyment

 

By investing smartly through SIPs and diversifying across funds, building a crore-plus corpus in a decade is absolutely doable.

 

Mutual Fund investments are subject to market risks. Read all scheme-related documents carefully before investing.