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What happens when capital meets contribution?

Project an existing portfolio's allocation forward — combining a starting investment with a stepped-up monthly contribution. This is the Portfolio Growth Calculator — built on the same engine, motion, and export benchmark as every calculator in the Decision Centre.

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Base₹2,00,000 + ₹15,000/mo · 12% · 15y
₹86,63,353
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Your Wealth After Compounding

Future ValueCrosses ₹50 Lakh
₹0
Total Invested₹0
Total Gain₹0
Wealth Multiple0.00x
XIRR12.5%
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Your Capital At Work

Growth Over Time
Projection from Year 1 (value ₹4,16,140) to Year 15 (value ₹86,63,353, of which ₹57,63,353 is gain). Compounding overtakes contribution at Year 10 (value ₹41,06,256).
Year-by-Year Breakdown
YearInvestedValueGainGain %Growth
1₹3,80,000₹4,16,140₹36,1409%
2₹5,60,000₹6,59,528₹99,52815%
3₹7,40,000₹9,33,600₹1,93,60021%
4₹9,20,000₹12,42,226₹3,22,22626%
5₹11,00,000₹15,89,764₹4,89,76431%
6₹12,80,000₹19,81,120₹7,01,12035%
7₹14,60,000₹24,21,821₹9,61,82140%
8₹16,40,000₹29,18,091₹12,78,09144%
9Milestone₹18,20,000₹34,76,938₹16,56,93848%
10₹20,00,000₹41,06,256₹21,06,25651%
11₹21,80,000₹48,14,932₹26,34,93255%
12Milestone₹23,60,000₹56,12,978₹32,52,97858%
13₹25,40,000₹65,11,666₹39,71,66661%
14Milestone₹27,20,000₹75,23,692₹48,03,69264%
15₹29,00,000₹86,63,353₹57,63,35367%
Decision Centre

What Is Driving Your Wealth

What this means

Starting with ₹2,00,000 and investing ₹15,000/month at 12% over 15 years grows your portfolio to ₹86,63,353 — a 2.99x multiple, with compounding contributing 67% of the final value.

By Year 10, the growth compounding has added exceeds everything you've contributed — from that point on, your portfolio is working harder for you than your own contributions are.

Increasing your monthly contribution by ₹2,000 grows your final portfolio by ₹10,09,152 — a real, compounded difference over your 15-year horizon.

Staying invested for 5 more years — 20 years instead of 15 — adds ₹82,53,124 to your final portfolio at these assumptions, without changing how much you contribute each month.

Starting 3 years later — investing for only 12 years instead of 15 — would leave you with ₹30,50,375 less, even with the same contributions. Time in the market is doing real work here.

This projection assumes a constant 12% annual return — real markets are variable year to year. Treat this as a planning estimate, not a guarantee.

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What Could Improve It

Suggested next steps
Take the Wealth BlueprintYou're projecting 3.0x growth — see how this fits a full, personalized portfolio recommendation.
Book a Wealth ConsultationDiscuss this projection with a Prospera advisor before you commit capital.
Compare with Fund/Portfolio ExplorerResearch the actual funds behind this kind of return, scored and ranked.
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