Goal Studio · Wealth creation
Give long-term wealth a number and a date
Name the amount you want in today’s money and the year you want it by. Long horizons let regular contributions and time do the heavy lifting.
- Inflation
- 6%
- Assumed return
- 12%
Starting assumptions — hypothetical and editable below.
Your plan
Illustrative investment needed
₹29,622a month
To have ₹3.21 Cr in 2046 (₹1 Cr in today’s money), invest about ₹29,622 a month, at an assumed 12% a year.
- Cost in 2046
- ₹3.21 Cr
- ₹1 Cr in today’s money, at 6% inflation
- What you have could grow to
- ₹48.23 L
- ₹5 L today, at 12% a year
- Funding gap
- ₹2.72 Cr
- Future cost minus what you have could grow to
- You would invest in total
- ₹71.09 L
- New contributions over 20 years
Free account, no obligation — your numbers come with you. Already have an account? Sign in
This is an illustration, not a forecast or a promise. It is based on the assumptions shown, which are hypothetical and yours to edit. Actual returns may differ, sometimes significantly, and market-linked investments involve risk, including the possible loss of capital. Taxes, costs and inflation can change the outcome.
Assumptions behind these numbers
Default assumptions are hypothetical round numbers chosen for illustration. They are not forecasts and not a view on any product. Change them to see how sensitive the result is.
- Cost in today’s money
- ₹1,00,00,000
- Years to goal
- 20 years
- Inflation for this goal (annual)
- 6%
- Already invested
- ₹5,00,000
- Assumed annual return (illustrative)
- 12%
- Contribution frequency
- Monthly
How it is calculated
- Inflation is an effective annual rate. Value in today’s money = future amount ÷ (1 + inflation)^years.
- The annual return is an effective annual (compound) rate; the periodic rate is (1 + annual rate)^(1/periods) − 1.
- Contributions are assumed at the start of each period.
- These figures are illustrations based on hypothetical assumptions, not forecasts. Actual returns may differ, and market-linked investments involve risk.
Formula set v1.0.0
What to consider
Before you settle on a wealth creation number
Time matters more than timing
The longer contributions stay invested, the larger the share of the final value that comes from growth rather than from what you put in.
Step-ups do quiet work
Raising the contribution a little each year, in line with income, often closes a gap that looks large at a flat amount.
Volatility is the price of growth
Market-linked investments can fall, sometimes sharply, along the way. A plan you can stay with through a bad year matters more than a high assumed return.
Today’s money keeps you honest
A target in today’s money is adjusted for inflation, so the number at the end still buys what you meant it to.
Explore
Products people often explore for this goal
Education first: each page explains how the product works, its risks and costs. Nothing here is a recommendation.
Pooled portfolios, priced daily and regulated by SEBI. Understand them first.
A professionally managed portfolio held in your own name — for larger, longer-term money.
Tools
Tools for this goal
Academy
Read before you decide
Goal Studio
Plan another goal
Talk to CompoundX
Talk your wealth creation plan through
A CompoundX expert can walk through your goals, the assumptions behind them and the ways people usually work towards them. No obligation, and no pressure to invest.