Investment Returns
· Last reviewed July 2026Wealth Growth Timeline
See exactly how many years it takes to reach ₹5 lakh, ₹10 lakh, ₹1 crore, ₹5 crore, and ₹10 crore milestones based on your current savings and monthly SIP. Free India wealth calculator.
Wealth Milestones
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Your real wealth milestones are tracked in FundSageAI based on your actual portfolio — see when you'll hit each crore mark with real data.
What is Wealth Growth Timeline?
The Wealth Growth Timeline Calculator shows you, month by month, how long it will take to reach each major wealth milestone — ₹5 lakh, ₹10 lakh, ₹25 lakh, ₹50 lakh, ₹1 crore, ₹2.5 crore, ₹5 crore, and ₹10 crore — given your current savings and monthly SIP. Unlike a standard SIP calculator (which shows one final number), the Timeline shows all milestones simultaneously, giving a complete roadmap of your financial journey. It's particularly motivating: investors can see that ₹1 crore is not decades away — for a ₹15,000/month SIP at 12%, it takes just 17 years.
How to use this tool
Enter your Current Savings (any amount you have invested or saved today).
Enter your Monthly SIP amount.
Enter the Expected Annual Return (typically 10–12% for equity).
The timeline shows all 8 milestones with exact years and months to reach each.
The Formula
For each milestone M: Find minimum month m where: Savings × (1+r)^(m/12) + SIP × [((1+r_m)^m - 1) / r_m] × (1+r_m) ≥ M Where r = annual return, r_m = r/12
Key Terms
- Compounding Effect
- The exponential growth of investments where returns in each period are added to the principal, generating larger and larger returns over time.
- Wealth Milestone
- A specific target corpus level (e.g., ₹1 crore) used as a benchmark for financial progress and motivation.
- Rule of 72
- A shortcut: divide 72 by your annual return rate to get approximate years to double your money. At 12%: 72/12 = 6 years to double.
Key Benefits
- ✓Complete wealth journey at a glance — all major milestones on one screen.
- ✓Motivates investors by showing nearer-term milestones (₹25–50 lakh) are reachable in 5–10 years.
- ✓Instantly shows the impact of increasing SIP by ₹5,000 — how many years it saves per milestone.
- ✓Handles existing savings correctly — they compound separately and reach earlier milestones faster.
Practical Example
Current savings: ₹5 lakh | Monthly SIP: ₹15,000 | Return: 12% ₹10 Lakh: Already reachable in ~2Y 8M ₹25 Lakh: 5Y 6M ₹50 Lakh: 8Y 11M ₹1 Crore: 13Y 5M ₹2.5 Crore: 19Y 8M ₹5 Crore: 24Y 3M ₹10 Crore: 29Y
FundSageAI Dashboard
Do more with your real portfolio data
- 1Real-time milestone tracker from actual portfolio
- 2Monthly projected corpus updates
- 3Personalised milestones based on actual fund returns
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Common Questions
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