📊 Your Investment
Initial Investment (₹)
Monthly SIP (₹) (optional)
Your Expected Return (%)
5%15%30%
Behavioral Fact: Most investors expect 18% but realize 11-12% long-term.
Time Period (Years)
510152030
🎯 Apply Behavioral Drag (–2% to –4%)
Simulates bad timing, panic selling, overtrading.
📈 Benchmark Returns Used▼
- Nifty 50: 12% avg
- Bonds: 8% avg
- Fixed Deposit: 7% avg
Your Wealth
₹31.9L
Nifty 50
₹26.3L
Bonds
₹20.6L
Fixed Deposit
₹19.4L
⚠️ Reality Check: This assumes a constant climb. Real markets zigzag. Even 1% less return deletes lakhs from your final corpus.
🎯 Insight: At 15% returns, you'll have 1.2x more than Nifty 50 investors in 10 years!
Where Does Your Wealth Come From?
Your Contribution
₹13.0L
41% of wealth
Compounding Magic
₹18.9L
59% of wealth
💡 At 10 years, contributions and compounding are roughly equal. More time = more compounding magic.
⚠️ Sensitivity Analysis: The Cost of Being Wrong
| Return Rate | Final Wealth | Difference |
|---|---|---|
| ❌ Pessimistic (-2%) (13%) | ₹28.1L | -₹3.8L |
| 👉 Expected (15%) | ₹31.9L | ₹0 |
| ✅ Optimistic (+2%) (17%) | ₹36.4L | +₹4.5L |
This projection assumes you can consistently earn 15%. But do you know what your actual portfolio return is right now?
Your Wealth in Today's Money
Based on your projection, here's what your 10-year wealth (₹31.9L) would be worth in today's purchasing power:
Inflation-Adjusted Value
₹17.8L
That's 44% less purchasing power!
Stop Relying on "Hope Math"
This calculator shows projections. Your real portfolio doesn't grow in a straight line. Bad timing, panic selling, and overtrading eat into your returns. Do you know your actual XIRR from your trades?
Check My Portfolio's Real XIRR (Free) →
Works with Zerodha, Groww, Angel One & any broker.
📉 The Inflation Reality Check
Money Loses Value Every Year
India's average inflation is 6-7% per year. This means:
- • ₹100 today = ₹50 purchasing power in 12 years
- • Your ₹1 Crore retirement fund? Worth only ₹50L in real terms
- • FD at 7% = 0% real returns after inflation
Your "Real" Returns
Real Return = Nominal Return - Inflation
| Investment | Nominal | Real* |
|---|---|---|
| Fixed Deposit | 7% | ~1% |
| Bonds | 8% | ~2% |
| Nifty 50 | 12% | ~6% |
| Good Trader | 18% | ~12% |
| *Assuming 6% average inflation |
🎯
Beat Inflation by 6%+
Aim for at least 12-13% returns to actually grow your wealth in real terms.
📈
Invest in Equities
Historically, only stocks and real estate have consistently beaten inflation long-term.
🔍
Know Your Real XIRR
Calculate your actual returns to see if you're truly beating inflation.
📚 The Truth About Wealth Calculators
Why Most Wealth Calculators Give You False Comfort
Most wealth calculators assume a straight-line growth at your chosen rate. In reality, markets don't work that way. A 15% average return doesn't mean you get 15% every year—some years you might get +40%, others -20%. This volatility, combined with when you invest and withdraw, dramatically affects your actual wealth.
This is why your XIRR (Extended Internal Rate of Return) matters more than projected CAGR. XIRR accounts for the timing of every cash flow in your portfolio.
CAGR vs Real XIRR: The Gap Nobody Talks About
When you see "Nifty 50 gave 12% returns", that's the CAGR—a theoretical number assuming you invested a lump sum on Day 1 and never touched it. But most investors do SIPs, add money after bonuses, panic-sell during crashes, and buy more during rallies.
Multiple studies and long-term data suggest retail investors often underperform their own investments due to behavior because of behavioral mistakes. This is the "Behavioral Tax" we simulate in our Reality Mode toggle.
How to Actually Build Long-Term Wealth in India
Building wealth isn't just about picking the right return rate. It's about:
- Consistency: Regular SIPs beat sporadic lump sums
- Time in market: 20 years beats trying to time 2 years
- Beating inflation: Your real return = Nominal return - 6% inflation
- Knowing your actual returns: Most people overestimate their XIRR by 4-6%
The first step to fixing your wealth journey is knowing where you actually stand. That's what TrueXIRR does—shows you your real returns, stock by stock.
Frequently Asked Questions
How accurate is this calculator?
This calculator uses compound interest formulas and historical average returns. Actual market returns vary year to year. For your real returns, calculate your XIRR using TrueXIRR.
What return should I expect?
Historically, Nifty 50 has returned ~12% annually. Active traders may achieve higher or lower depending on skill. Use 12-15% for conservative estimates.
Does this include taxes?
No, these are pre-tax returns. Capital gains tax rates vary based on holding period and asset type. Consult a tax professional for accurate calculations.
What is India's average inflation rate?
India's retail inflation (CPI) has averaged around 6% over the past decade. RBI targets 4% (+/- 2%). We use 6% for inflation-adjusted calculations.