What is wealth growth?
Wealth growth is the increase in your total net worth through a combination of regular investments and the power of compounding. The earlier you start investing, the more your money works for you. Over time, the returns generated by your investments begin to exceed the amount you contribute each month — that is the tipping point where compounding truly takes over.
A key insight: after 10-15 years of consistent investing, your investment returns often exceed your own contributions. This calculator shows you exactly when that crossover happens, helping you understand the long-term value of staying invested.
The power of compounding
Compounding is what happens when your returns start earning returns themselves. Your money grows not just on what you invest, but on the accumulated gains from all previous years. This creates a snowball effect where your corpus grows faster and faster over time.
For example, investing ₹10,000 per month at 12% annual returns for 30 years gives you a corpus of approximately ₹3.5 Cr. Of this, only about ₹36 L is your own investment — the remaining ₹3.14 Cr comes from compounding. The longer your time horizon, the more dramatic this effect becomes.