How do I get to ₹10 crore?
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. It's all worked out in your browser; nothing you type is sent to us.
What each target demands, starting from ₹1 crore
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 | in 10 yrs | in 15 yrs | in 20 yrs | in 25 yrs | in 30 yrs |
|---|---|---|---|---|---|
| ₹1 crore | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| ₹2 crore | 7.2% | 4.7% | 3.5% | 2.8% | 2.3% |
| ₹5 crore | 17.5% | 11.3% | 8.4% | 6.6% | 5.5% |
| ₹10 crore | 25.9% | 16.6% | 12.2% | 9.6% | 8.0% |
| ₹25 crore | 38.0% | 23.9% | 17.5% | 13.7% | 11.3% |
| ₹50 crore | 47.9% | 29.8% | 21.6% | 16.9% | 13.9% |
| ₹100 crore | 58.5% | 35.9% | 25.9% | 20.2% | 16.6% |
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.
How to read a required return
| If you need | It's | What that means |
|---|---|---|
| under 6% | comfortable | A fixed deposit could do this. You don't need to take equity risk to get there. |
| up to 9% | reasonable | A balanced portfolio has historically cleared this. No heroics required. |
| up to 12% | demanding | Equity-heavy, and it has to work for the whole period. Historically achievable, but not something to assume. |
| up to 15% | a stretch | Above what a diversified Indian portfolio has reliably delivered over long periods. Possible, but you'd be relying on things going well. |
| 15%+ | not a plan | No ordinary portfolio compounds at this rate for years on end. Treat this as the arithmetic telling you the target, the timeline or the savings has to move. |
Where these numbers come from
The arithmetic
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.
The per-asset assumptions
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.
What this can't tell you
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.
Estimates for planning, not a projection of your returns. Networthy HQ isn't financial advice — see Terms.
Then check it against what you actually hold
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: work out your net worth, how much you need to retire, and where your net worth ranks.