Rs. 100,000 at 10% for 5 years:
Over 30 years: Rs. 1,744,940 compound vs Rs. 400,000 simple. That's 4.4× more.
The Rule of 72
Divide 72 by annual rate to estimate years to double:
Starting Early vs Investing More
Ali saves Rs. 5,000/month ages 25–35 (Rs. 600K total). Sara saves Rs. 5,000/month ages 35–60 (Rs. 1.5M total). At 10% return, Ali ends up with nearly as much as Sara despite investing 2.5× less — because of the 10-year head start.
Monthly Contributions Multiplier
Rs. 100,000 at 10% over 30 years:
Every contributed rupee generates ~5.4× in final value. Calculate with our Savings Calculator.