₹1 Crore in 10 Years — The Real Math

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<h2 class="title-scramble">₹1 Crore in 10 Years</h2>
<br/>
<h4 class="subtitle-fade" data-gsap='{"from": {"opacity": 0, "y": 30}, "duration": 1, "delay": 2.5}'>The Real Math Behind Your Goal</h4>
<h4 class="subtitle-fade2" data-gsap='{"from": {"opacity": 0, "y": 30}, "duration": 1, "delay": 3}'>Feb 22, 2026</h4>
<br/><br/>
<br/>
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### Disclaimer
|                    |                                                             |
|--------------------|-------------------------------------------------------------|
| **Personal Fit**   | Based on my experience & comfort                     |
| **Purpose**        | Educational — not financial advice                    |
| **Risk**           | Investments involve market risk                     |
| **Rules**          | Verify tax/regulatory details                        |
| **Responsibility** | Make decisions aligned with your goals                     |

### Contents

1.  🎯 The Simple Question  
2.  💰 The Nominal Answer  
3.  📉 The Inflation Reality  
4.  💸 The Tax Factor  
5.  📈 The Growth Solution  
6.  🎓 The Key Lesson  
7.  📝 Summary

---

### 1️⃣ The Simple Question 🎯

<div style="font-size: 1.8em; margin: 80px 0;">
<h3 data-gsap='{"from": {"opacity": 0, "scale": 0.5}, "duration": 1, "delay": 0.5}'>
₹1 Crore in 10 Years
</h3>
</div>

<p class="fragment fade-up" style="font-size: 1.2em; color: #6b7280;">
Almost everyone chasing wealth starts here.
</p>

<p class="fragment fade-up" style="font-size: 1.4em; margin-top: 20px;">
It sounds simple.
</p>

<p class="fragment fade-up" style="font-size: 1.2em; color: #f59e0b; margin-top: 20px;">
Let's audit the assumption.
</p>

---

### 2️⃣ The Nominal Answer 💰

<table>
<tr><td><strong>Starting from</strong></td><td>₹0</td></tr>
<tr><td><strong>Goal</strong></td><td>₹1 Crore</td></tr>
<tr><td><strong>Time</strong></td><td>10 Years</td></tr>
<tr><td><strong>Returns</strong></td><td>12%</td></tr>
</table>

<br/>

<h4 class="fragment fade-up">How much do you need to invest monthly?</h4>

<p class="fragment fade-up" style="font-size: 1.1em; color: #6b7280; margin-top: 20px;">Pick a number.</p>

<p class="fragment fade-up" style="font-size: 1.3em; color: #f59e0b; margin-top: 10px;">
Commit to it.
</p>

--
### 2️⃣ The Nominal Answer 💰

<div data-gsap='{"from": {"opacity": 0, "scale": 3}, "duration": 1.2, "delay": 0.5}'> <strong style="color: #10b981;">₹44,636 per month</strong> </div>

<p class="fragment fade-up" style="font-size: 1.0em;"> That's it. </p> <div class="fragment fade-up" style="font-size: 1.0em; margin: 40px 0; line-height: 1;"> <p>₹45k every month.</p> <p>12% returns.</p> <p>10 years.</p> </div> <p class="fragment fade-up" style="font-size: 1.5em; color: #10b981;"> <strong>₹1 Crore. On paper.</strong> </p> <p class="fragment fade-up" style="font-size: 1.2em; color: #6b7280; margin-top: 20px;"> Clean. Comfortable. Plausible. </p>

### 2️⃣ The Nominal Answer 💰 / But Wait...

<div style="margin: 60px 0;">
<p class="fragment fade-up" style="font-size: 1.3em;">
Before you approve that plan—
</p>

<p class="fragment fade-up" style="font-size: 1.5em; margin-top: 40px;">
One question.
</p>

<p class="fragment fade-up" style="font-size: 1.8em; color: #f59e0b; margin-top: 40px;">
<strong>Will ₹1 Crore feel like ₹1 Crore today?</strong>
</p>
</div>

---

### 3️⃣ The Inflation Reality 📉

<div style="font-size: 2.2em; margin: 60px 0;" data-gsap='{"from": {"opacity": 0, "rotation": 360}, "duration": 1, "delay": 0.5}'>
<strong style="color: #ef4444;">Inflation.</strong>
</div>

<div class="fragment fade-up" style="margin: 40px 0;">
<p style="font-size: 1.3em;">Prices move. Quietly.</p>
<p style="font-size: 1.2em; margin-top: 10px; color: #6b7280;">6% inflation. Compounding. Every year.</p>
</div>

<div class="fragment fade-up" style="margin: 40px 0;">
<p style="font-size: 1.3em;">₹1 Crore in 2036 ≠ ₹1 Crore today.</p>
</div>

<div class="fragment fade-up" style="margin: 60px 0;">
<p style="font-size: 1.4em;">Nominal targets are a <span style="color: #ef4444;">mirage</span>.</p>
<p style="font-size: 1.5em; color: #10b981; margin-top: 20px;"><strong>Purchasing power is the goal.</strong></p>
</div>

### 3️⃣ The Inflation Reality 📉 / Recalculate

<div style="margin: 60px 0;">
<p class="fragment fade-up" style="font-size: 1.3em;">Same goal. New rules.</p>
</div>

<div class="fragment fade-up" style="margin: 40px 0;">
<table>
<tr><td><strong>Starting from</strong></td><td>₹0</td></tr>
<tr><td><strong>Goal (Real)</strong></td><td>₹1 Crore (today's value)</td></tr>
<tr><td><strong>Time</strong></td><td>10 years</td></tr>
<tr><td><strong>Returns</strong></td><td>12%</td></tr>
<tr style="background: #fef3c7;"><td><strong>Inflation</strong></td><td>6%</td></tr>
</table>
</div>

### 3️⃣ The Inflation Reality 📉 / The Truth

<div style="font-size: 2.5em; margin: 80px 0;" data-gsap='{"from": {"opacity": 0, "scale": 3}, "duration": 1.2, "delay": 0.5}'>
<strong style="color: #ef4444;">₹79,936 per month</strong>
</div>

<p class="fragment fade-up" style="font-size: 1.4em;">
Almost ₹80,000.
</p>

<div class="fragment fade-up" style="font-size: 1.2em; margin: 40px 0; line-height: 1.8;">
<p>Because ₹1 Crore in 10 years</p>
<p>will actually require <strong style="color: #f59e0b;">₹1.79 Crores</strong> nominally</p>
<p>to feel like ₹1 Crore today.</p>
</div>

### 3️⃣ The Inflation Reality 📉 / The Gap

<div style="margin: 50px 0;">
<p class="fragment fade-up" style="font-size: 1.2em; color: #6b7280;">This is where the story changes.</p>
</div>

<div class="fragment fade-up" style="margin: 40px 0;">
<table style="font-size: 1.3em;">
<tr><td><strong>You thought</strong></td><td style="color: #10b981;">₹45k</td></tr>
<tr><td><strong>Reality says</strong></td><td style="color: #ef4444;">₹80k</td></tr>
</table>
</div>

<p class="fragment fade-up" style="font-size: 1.4em; color: #f59e0b; margin-top: 50px;">
<strong>78% more than you planned.</strong>
</p>

<p class="fragment fade-up" style="font-size: 1.1em; color: #6b7280; margin-top: 20px;">
This is where most goals quietly fail.
</p>

---

### 4️⃣ The Tax Factor 💸

<div style="margin: 60px 0;">
<p class="fragment fade-up" style="font-size: 1.3em; color: #6b7280;">₹80k. Adjusted for inflation.</p>
<p class="fragment fade-up" style="font-size: 1.3em; margin-top: 15px; color: #6b7280;">Feels like the final answer.</p>
</div>

<p class="fragment fade-up" style="font-size: 1.3em; margin-top: 50px;">
Markets don't let you exit tax-free.
</p>

<p class="fragment fade-up" style="font-size: 1.1em; color: #6b7280; margin-top: 10px;">
The tax you ignore becomes the return you never keep.
</p>

### 4️⃣ The Tax Factor 💸 / Recalculate Again

<div class="fragment fade-up" style="margin: 40px 0;">
<table>
<tr><td><strong>Starting from</strong></td><td>₹0</td></tr>
<tr><td><strong>Goal (Real)</strong></td><td>₹1 Crore (today's value)</td></tr>
<tr><td><strong>Time</strong></td><td>10 years</td></tr>
<tr><td><strong>Returns</strong></td><td>12%</td></tr>
<tr><td><strong>Inflation</strong></td><td>6%</td></tr>
<tr style="background: #fef3c7;"><td><strong>Exit Tax</strong></td><td>15% <br/><small>(12.5% LTCG + Cess + Surcharge)</small></td></tr>
</table>
</div>

<p class="fragment fade-up" style="font-size: 1.4em; margin-top: 60px;">
New number.
</p>

### 4️⃣ The Tax Factor 💸 / The Real Number

<div style="font-size: 2.5em; margin: 80px 0;" data-gsap='{"from": {"opacity": 0, "scale": 3}, "duration": 1.2, "delay": 0.5}'>
<strong style="color: #ef4444;">₹85,921 per month</strong>
</div>

<div class="fragment fade-up" style="margin: 60px 0;">
<p style="font-size: 1.3em;">Now the system is finally honest.</p>
</div>

<div class="fragment fade-up" style="font-size: 1.2em; margin: 40px 0; line-height: 1.8;">
<p>To truly <strong>have</strong> ₹1 Crore</p>
<p>in real purchasing power</p>
<p>after tax…</p>
</div>

<p class="fragment fade-up" style="font-size: 1.6em; color: #10b981; margin-top: 40px;">
<strong>You need to invest ₹86k every month.</strong>
</p>

---

### 5️⃣ The Growth Solution 📈

<div style="margin: 50px 0;">
<p class="fragment fade-up" style="font-size: 1.5em;">Pause.</p>
<p class="fragment fade-up" style="font-size: 1.3em; margin-top: 20px; color: #6b7280;">There is a lever.</p>
</div>

<p class="fragment fade-up" style="font-size: 1.4em; margin-top: 40px;">
Your income grows every year.
</p>

<p class="fragment fade-up" style="font-size: 1.5em; color: #10b981; margin-top: 50px;">
<strong>10% SIP increase. Every year.</strong>
</p>

<p class="fragment fade-up" style="font-size: 1.1em; color: #6b7280; margin-top: 10px;">
Strong plans scale with your earning power.
</p>

### 5️⃣ The Growth Solution 📈 / Calculate Again

<div class="fragment fade-up" style="margin: 40px 0;">
<table>
<tr><td><strong>Starting from</strong></td><td>₹0</td></tr>
<tr><td><strong>Goal (Real)</strong></td><td>₹1 Crore (today's value)</td></tr>
<tr><td><strong>Time</strong></td><td>10 years</td></tr>
<tr><td><strong>Returns</strong></td><td>12%</td></tr>
<tr><td><strong>Inflation</strong></td><td>6%</td></tr>
<tr><td><strong>Exit Tax</strong></td><td>15%</td></tr>
<tr style="background: #fef3c7;"><td><strong>SIP Growth</strong></td><td>10% annually</td></tr>
</table>
</div>

### 5️⃣ The Growth Solution 📈 / Game Changer

<div style="font-size: 2.5em; margin: 80px 0;" data-gsap='{"from": {"opacity": 0, "scale": 3}, "duration": 1.2, "delay": 0.5}'>
<strong style="color: #10b981;">₹58,421 per month</strong>
</div>

<p class="fragment fade-up" style="font-size: 1.3em;">
Starting SIP. Month one. Not ₹86k.
</p>

<p class="fragment fade-up" style="font-size: 1.2em; margin-top: 50px; color: #6b7280;">
Your future self does the heavy lifting.
</p>

<p class="fragment fade-up" style="font-size: 2em; color: #f59e0b; margin-top: 60px;">
<strong>120 months. +10% / 12 months</strong>
</p>

### 5️⃣ The Growth Solution 📈 / Head Start

<div class="fragment fade-up" style="margin: 40px 0;">
<p style="font-size: 1.2em; color: #6b7280;">What if you already have some skin in the game?</p>
</div>

<div class="fragment fade-up" style="margin: 40px 0;">
<table>
<tr style="background: #fef3c7;"><td><strong>Starting from</strong></td><td>₹10 Lakhs</td></tr>
<tr><td><strong>Goal (Real)</strong></td><td>₹1 Crore (today's value)</td></tr>
<tr><td><strong>Time</strong></td><td>10 years</td></tr>
<tr><td><strong>Returns</strong></td><td>12%</td></tr>
<tr><td><strong>Inflation</strong></td><td>6%</td></tr>
<tr><td><strong>Exit Tax</strong></td><td>15%</td></tr>
<tr><td><strong>SIP Growth</strong></td><td>10% annually</td></tr>
</table>
</div>

### 5️⃣ The Growth Solution 📈 / Already Ahead

<div style="font-size: 2.5em; margin: 80px 0;" data-gsap='{"from": {"opacity": 0, "scale": 3}, "duration": 1.2, "delay": 0.5}'>
<strong style="color: #10b981;">₹49,320 per month</strong>
</div>

<p class="fragment fade-up" style="font-size: 1.3em;">
Already have ₹10L invested?
</p>

<div class="fragment fade-up" style="margin: 40px 0;">
<table style="font-size: 1.3em;">
<tr><td><strong>No head start</strong></td><td style="color: #6b7280;">₹58k/month</td></tr>
<tr><td><strong>With ₹10L head start</strong></td><td style="color: #10b981;">₹49k/month</td></tr>
</table>
</div>

<p class="fragment fade-up" style="font-size: 1.2em; color: #6b7280; margin-top: 40px;">
Every rupee invested today reduces tomorrow's burden.
</p>

---

### 6️⃣ The Key Lesson 🎓

> **Three lies most SIP calculators tell you.**

<div style="margin: 60px 0; font-size: 1.2em;">
<ul style="list-style: none; line-height: 2.5;">
<li class="fragment fade-up">❌ &quot;Ignore inflation&quot; — looks easier than it is</li>
<li class="fragment fade-up">❌ &quot;Ignore exit tax&quot; — looks simpler than it is</li>
<li class="fragment fade-up">❌ &quot;SIP stays flat&quot; — looks harder than it is</li>
</ul>
</div>

<p class="fragment fade-up" style="font-size: 1.4em; color: #f59e0b; margin-top: 40px;">
<strong>All three distort reality.</strong>
</p>

### 6️⃣ The Key Lesson 🎓 / Why Plans Fail

> **Most plans fail here.**

<div class="fragment fade-up" style="margin: 60px 0; font-size: 1.3em;">
<p>Not bad markets.</p>
<p style="margin-top: 15px;">Not bad funds.</p>
<p style="margin-top: 40px; color: #f59e0b; font-size: 1.1em;"><strong>Incomplete assumptions.</strong></p>
</div>

### 6️⃣ The Key Lesson 🎓 / The Real Question

<div style="margin: 60px 0;">
<p class="fragment fade-up" style="font-size: 1.2em; color: #6b7280;">The wrong question:</p>

<p class="fragment fade-up" style="font-size: 1.4em; color: #ef4444; margin-top: 30px;">
"Will markets give me 12%?"
</p>

<p class="fragment fade-up" style="font-size: 1.2em; color: #6b7280; margin-top: 50px;">The right question:</p>

<p class="fragment fade-up" style="font-size: 1.6em; color: #10b981; margin-top: 30px;">
<strong>"Am I modeling reality?"</strong>
</p>
</div>

### 🧮 Model Reality - RealValue SIP Engine
<div class="fragment fade-up" style="margin-top: 60px;">
<iframe src="/building-wealth/tools/realvalue-sip-engine/#v1obd10ya1cf202602c10lm20kg12h10i6t15"
        style="width: 100%; height: 1000px; border: 2px solid #e5e7eb; border-radius: 10px; box-shadow: 0 4px 6px rgba(36, 31, 31, 0.1);">
</iframe>
</div>

---

### 7️⃣ Summary 📝

<div style="font-size: 1.4em; margin: 60px 0;">
<p data-gsap='{"from": {"opacity": 0, "x": -100}, "duration": 1, "delay": 0.5}'>
🎯 Goal: ₹1 Crore (real value)
</p>
<p data-gsap='{"from": {"opacity": 0, "rotation": 180}, "duration": 1, "delay": 1.5}'>
💰 Nominal math: ₹45k/month
</p>
<p data-gsap='{"from": {"opacity": 0, "scale": 0.5}, "duration": 1, "delay": 3}'>
📉 With inflation: ₹80k/month
</p>
<p data-gsap='{"from": {"opacity": 0, "y": 50}, "duration": 1, "delay": 4.5}'>
💸 With tax: ₹86k/month
</p>
<p data-gsap='{"from": {"opacity": 0, "x": 100}, "duration": 1, "delay": 6}'>
📈 With 10% hike: ₹58k/month
</p>
<p data-gsap='{"from": {"opacity": 0, "scale": 1.5}, "duration": 1, "delay": 7.5}'>
🚀 With ₹10L head start: ₹49k/month
</p>
<p data-gsap='{"from": {"opacity": 0, "scale": 2}, "duration": 1, "delay": 9}'>
🎓 Model reality or fund disappointment
</p>
</div>

---
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