Find Your Asset Multiple by Age
Discover the power of compounding and how starting early can multiply your wealth. Learn what ₹1 invested today could become by retirement age 60.
If you've ever wondered what your money could grow into over time, this simple idea might change how you think about saving. It's called your Asset Multiple — the value of ₹1 invested today by the time you retire at age 60.
At a 12% annual rate of return, the earlier you start, the bigger your multiple grows — and the results are eye-opening:
- At age 20, ₹1 invested grows for 40 years to become ₹93.
- At age 30, ₹1 becomes ₹30.
- At age 40, it becomes ₹9.6.
- At age 50, it becomes ₹3.1.
The Power of Compounding
That's the power of compounding — your returns start earning their own returns, and over time, the effect snowballs. The difference between starting at 20 and 40 isn't just 20 years — it's a 10-fold difference in wealth.
Real-World Impact
Let's put it in perspective. If a 20-year-old invests ₹5,000 per month until 60, they could build over ₹4.6 crore. But if they wait until 40 to start, the same investment would grow to just ₹59 lakh.
The Takeaway
Start early. Every rupee you invest in your 20s has decades to multiply into a small fortune. Your future self will thank you for giving compounding enough time to work its quiet magic.
Use our asset multiple calculator to find your number today.