COMPOUNDING EDGE CALCULATOR
Small Alpha. Massive Difference.
See how even a consistent 1–2% improvement in annualised returns can create life-changing wealth over time.
Your Inputs
Initial Corpus
₹
Monthly SIP Contribution
₹
Investment Duration (years)
Return Scenarios
Scenario A
Annualised Return
Scenario B
Annualised Return
Wealth Comparison
₹67.27 L
Scenario A · 10%
₹96.46 L
Scenario B · 12%
Invested
₹10.00 L
CAGR Gap
+2.0%
Additional Wealth Created
₹29.19 Lakhs
by achieving 12% over 10% annualised return
Wealth Multiplier
1.43×
% More Wealth
+43.4%
Total Invested
₹10.00 L
Duration
20 yrs
Scenario A Final
₹67.27 L
Scenario B Final
₹96.46 L
Key Insight
₹10 Lakhs growing at 10% for 20 years becomes ₹67.27 Lakhs. At 12%, it becomes ₹96.46 Lakhs — ₹29.19 Lakhs more wealth.
An additional 2.0% annualised return over 20 years could increase your final wealth by 43%.
Why does a small return gap matter so much?
Exponential, not linear
Compounding is not additive — each year's gains build on all previous gains. Over decades, even a 1% difference creates an exponential divergence in outcomes.
Time magnifies everything
The longer your horizon, the more powerful the compounding gap becomes. Small inefficiencies in your portfolio compound into large wealth gaps over 20–30 years.
The 2% rule of thumb
Historically, optimised portfolios with disciplined asset allocation can earn 2–3% more annually than unoptimised ones — translating to 40–80% more final wealth over 20 years.
Ready to improve your compounding?
See how HexaWealth portfolio optimisation can improve your long-term annualised returns and unlock dramatically better wealth outcomes.