Anyone can name a target and a date. The question nobody checks is what annual return that combination quietly assumes — and whether it's a rate any portfolio actually delivers. Put in where you are and where you want to be. {% if not user %}It's all worked out in your browser; nothing you type is sent to us.{% endif %}
Weighted across what you actually hold. These are deliberately unexciting long-run assumptions — the numbers you'd defend to a sceptic, not the ones a brochure prints.
| Holding | Share | Assumed return |
|---|---|---|
| {{ b.label }} | {{ "%.1f"|format(b.pct) }}% | {{ "%g"|format(b.assumed) }}% |
| Blended | {{ "%.1f"|format(blended) }}% |
Compounding ₹1 crore to ₹10 crore in 20 years takes 12.2% a year — right at the edge of what a diversified Indian portfolio has managed over long periods. Wanting it in 10 years instead takes 25.9%, which nothing delivers for a decade.
| Target | {% for y in years_cols %}in {{ y }} yrs | {% endfor %}
|---|---|
| ₹{{ row.target }} crore | {% for c in row.cells %}{{ c.label }} | {% endfor %}
Starting from ₹1 crore with nothing added, so the table shows the shape of compounding rather than any one person's numbers. Adding savings lowers every figure — that's the calculator above.
| If you need | It's | What that means |
|---|---|---|
| {% if ceiling == 6.0 %}under 6%{% elif ceiling|string == 'inf' %}15%+{% else %}up to {{ "%g"|format(ceiling) }}%{% endif %} | {{ label }} | {{ note }} |
One equation: today's corpus compounds for the period, savings are added at each year end, and the required return is the rate that lands exactly on the target. With savings in the mix there's no closed form for that rate, so it's found by bisection — the balance rises monotonically with the return, which is all that needs.
Long-run nominal INR expectations, before tax and costs: equity 12%, mutual funds 11%, fixed income 7%, gold 8%, real estate 7% (capital only — rent is separate), cash 4%. Crypto is carried at 12%, which is not a forecast so much as a placeholder for "high and unknowable". These are judgements, not measurements, and a point of conservatism is the safer error: it flags a stretch as a stretch.
A single rate is an assumption, not a measurement, and it is doing all the work: over twenty years the gap between 9% and 12% on the same starting pot is enormous. That's why the calculator shows a band rather than a number. Volatility costs you even when the average holds — what compounds is the geometric mean, which sits below the simple average by roughly half the variance. (If you're adding nothing and withdrawing nothing, the order of returns genuinely doesn't matter; only the product does. Sequence risk is a retiree's problem, not an accumulator's.) No tax is modelled, so every figure here is somewhat optimistic — capital gains alone take a bite out of what you actually keep.
{{ fine_print("Estimates for planning, not a projection of your returns.") }}Signed in, this page reads your real allocation and tells you whether the return you need is one your current mix could plausibly deliver — which is usually the more uncomfortable half of the answer.
Also useful: how much house you can afford, work out your net worth, how much you need to retire, and where your net worth ranks.
{% endblock %}