Albert Einstein famously called compound interest the "eighth wonder of the world," stating, "He who understands it, earns it; he who doesn't, pays it." This isn't just a quote; it's the fundamental law of wealth creation. Compound interest is the snowball effect where your interest earns more interest. Initially, the growth seems slow—almost invisible. This is the "Boring Middle." But once you cross a critical threshold, the curve shoots up vertically.
This phenomenon is often called "Escape Velocity" in finance. It's the point where your investment returns exceed your annual contributions. For example, if you invest ₹1 Lakh a year, eventually your portfolio will generate more than ₹1 Lakh in interest alone. That is when your money starts working harder than you do.
Our calculator helps you find that point. By adjusting the Principal (Capital), Rate (Growth), and Time (Patience), you can engineer a path to financial independence that relies on math, not luck.