Wealth Projection Calculator
See how your investments could grow over time. Compare your returns against Nifty 50, Fixed Deposits, and Bonds.
📊 Your Investment
📈 Benchmark Returns Used
- Nifty 50: 12% avg
- Bonds: 8% avg
- Fixed Deposit: 7% avg
Your Wealth
₹31.9L
Nifty 50
₹26.1L
Bonds
₹21.6L
Fixed Deposit
₹19.7L
🎯 Insight: At 15% returns, you'll have 1.6x more than Nifty 50 investors in 10 years!
But Wait... What Are Your Actual Returns?
This calculator shows projections. But do you know your real XIRR from your actual trades? Upload your tradebook and find out instantly.
Calculate My Real XIRR (Free) →📉 The Inflation Reality Check
Money Loses Value Every Year
India's average inflation is 6-7% per year. This means:
- • ₹100 today = ₹50 purchasing power in 12 years
- • Your ₹1 Crore retirement fund? Worth only ₹50L in real terms
- • FD at 7% = 0% real returns after inflation
Your "Real" Returns
Real Return = Nominal Return - Inflation
| Investment | Nominal | Real* |
|---|---|---|
| Fixed Deposit | 7% | ~1% |
| Bonds | 8% | ~2% |
| Nifty 50 | 12% | ~6% |
| Good Trader | 18% | ~12% |
*Assuming 6% average inflation
Your Wealth in Today's Money
Based on your projection, here's what your 10-year wealth (₹31.9L) would be worth in today's purchasing power:
Inflation-Adjusted Value
₹17.8L
That's 44% less purchasing power!
Beat Inflation by 6%+
Aim for at least 12-13% returns to actually grow your wealth in real terms.
Invest in Equities
Historically, only stocks and real estate have consistently beaten inflation long-term.
Know Your Real XIRR
Calculate your actual returns to see if you're truly beating inflation.
Frequently Asked Questions
How accurate is this calculator?
This calculator uses compound interest formulas and historical average returns. Actual market returns vary year to year. For your real returns, calculate your XIRR using TrueXIRR.
What return should I expect?
Historically, Nifty 50 has returned ~12% annually. Active traders may achieve higher or lower depending on skill. Use 12-15% for conservative estimates.
Does this include taxes?
No, these are pre-tax returns. Capital gains tax rates vary based on holding period and asset type. Consult a tax professional for accurate calculations.
What is India's average inflation rate?
India's retail inflation (CPI) has averaged around 6% over the past decade. RBI targets 4% (+/- 2%). We use 6% for inflation-adjusted calculations.