Here’s How $300 Monthly in XRP Could Grow If Price Rises 95% Per Year Until 2030

How much would you make if you invested $300 every month into XRP while the price rises 95% a year until 2030?

While XRP has grown significantly from its earliest price of around $0.005 to the current valuation, some analysts believe it still has more room for growth. Notably, during its earlier growth trajectory, investors who got in soon enough are now witnessing impressive gains on their investments.

Market Still Early?

For instance, last month, The Crypto Basic found that if an investor had purchased $100 worth of XRP every month from May 2015 to June 2025, they would have spent a total of $53,600. However, this investment would be worth about $3.588 million, enough for most individuals to retire.

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While this sounds like an enticing prospect, most investors believe they missed the boat. However, several XRP community commentators have continued to suggest that the XRP market is still in its early phase, and XRP has much room for growth from here. For one, XRP community commentator Vincent Kennedy insists any individual who enters the market now is still early.

Considering this, finance expert Coach JV recently explored an investment strategy where market participants DCA into XRP or Bitcoin over the next 10 years. For context, dollar cost averaging involves committing a set amount into an investment over a period of time regardless of the price movements.

XRP Could Soar if Bitcoin Rallies Consistently 

The trick is to take advantage of the asset’s growth trajectory within this period. For instance, asset manager ARK Invest predicts a Bitcoin price of $2.4 million by 2030 for its bull case, representing a compound annual growth rate (CAGR) of 72%. In simple terms, this means BTC would grow 72% every year until 2030.

However, it is important to note that XRP, being a part of the broader crypto market, could benefit from this Bitcoin growth. In addition, XRP’s growth rate could be slightly higher due to greater volatility. For instance, while BTC has grown 30.22% this year, XRP is up by a massive 56.7%. 

So, if Bitcoin grew 72% a year, XRP could post a more substantial 95% gain within the same period. Such growth would bode well for any DCA strategy involving XRP from today. 

How $300 Monthly Could Grow if XRP Gains 95% a Year

Supposing an investor commits $300 into XRP every month from this month, August 2025, until the end of 2030, and XRP grows 95% each year, they could see impressive gains. Notably, a $300 monthly investment this year translates to a total commitment of $1,500 over the remaining five months. If XRP remains at $3.25, this would amass 461.5 XRP.

Over the next five years, a consistent investment of $300 per month would translate to $3,600 a year, and with XRP’s 95% growth each year, the amount of tokens this $3,600 would procure would keep reducing. For context, if XRP grows 95% next year, it would hit $6.33. At this price, $3,600 would amass 568 XRP tokens.

Meanwhile, a further 95% increase in 2027 would push the price to $12.35. With this price, the $3,600 would only get 291.3 XRP tokens. Notably, over time, the investor would have spent $19,500 on XRP until 2030 and amassed a total of 1,586 XRP within this period.

Interestingly, with XRP’s projected growth rate, these tokens would present impressive yields. For context, a 95% CAGR would push XRP price to $178.68 by 2030. At this price, the investor’s portfolio containing 1,586 XRP would be worth $283,386, representing gains of nearly $264,000 over five years.

However, this evaluation assumes XRP grows 95% consistently for five consecutive years. While this is possible, the probability is extremely low due to the crypto market volatility. As a result, investors should not expect to meet such returns within the period of assessment.