Same income. Same raises.
Rs 21.5L apart.
Two people. Both start at Rs 1L a month. Both get 8 percent raises for ten years. Both invest the savings at the same 11 percent. The only difference is where the raise goes.
| Year |
Income / mo |
Creep . saves |
Bank half . saves |
| 1 | 100000 | 20% | 20% |
| 5 | 136049 | 20% | 27.9% |
| 10 | 199900 | 20% | 35.0% |
| Corpusafter 10 years invested at 11 pct | | Rs 54.4L | Rs 75.9L |
The creeper's savings rate sat at 20 percent the whole decade while the raise quietly fed a bigger lifestyle. Banking half of every increment dragged the rate to 35 percent without ever feeling like a cut. Identical earnings, identical returns, a Rs 21.5L gap.