Calculators

The compounding gap

10 · 20 · 30 Visualiser

5y10y20y30y40y
10% CAGR
₹6.73 L
6.7× your money
20% CAGR
₹38.34 L
38.3× your money
30% CAGR
₹1.90 Cr
190.0× your money
🛍️What can you actually buy with this?
10% CAGR · ₹6.73 L
📱
iPhone 16 Pro Max
× 4
  • 🛵Honda Activa×7
Next unlock: 🚗 Maruti Swift₹27,250 away
20% CAGR · ₹38.34 L
💎
Gold brick (100 g)
× 4
  • 🚗Maruti Swift×5
  • 📱iPhone 16 Pro Max×28
  • 🛵Honda Activa×42
Next unlock: 🏎️ BMW 3 Series₹11.66 L away
30% CAGR · ₹1.90 Cr
🏠
2BHK flat (Tier-2 city)
× 3
  • 🏎️BMW 3 Series×3
  • 💎Gold brick (100 g)×22
  • 🚗Maruti Swift×27
  • 📱iPhone 16 Pro Max×140
  • 🛵Honda Activa×211
Next unlock: 🚀 Lamborghini Huracán₹1.60 Cr away
Key milestones
Year10%20%30%Gap (30÷10)
Start₹1.00 L₹1.00 L₹1.00 L1×
5y₹1.61 L₹2.49 L₹3.71 L2.3×
10y₹2.59 L₹6.19 L₹13.79 L5.3×
15y₹4.18 L₹15.41 L₹51.19 L12.3×
20y₹6.73 L₹38.34 L₹1.90 Cr28.2×
The gap after 20 years: At 30% CAGR your capital is 28.2× larger than at 10% CAGR - on the exact same starting amount. A single extra percentage point, compounded for decades, is the single greatest wealth lever.

All figures are illustrative only. Actual returns depend on the investment, market conditions, and holding period. This is not a projection of any Clearmind product.

The wealth gap between similar-sounding returns

A 10 percentage-point CAGR gap sounds abstract until you chart it. Over 25–30 years the lower path can mean crores of difference on the same starting corpus.

Compounding is non-linear

Wealth curves bend upward, differences that look modest in year five dominate by year twenty-five.

Illustrative only — not investment advice. Past scenarios do not guarantee future results. Consult a qualified professional before investing.