Here’s the Timeline for XRP to Reach $100 if It Gains 3% Every Month

How long would it take XRP to reach a triple-digit price milestone if it maintained a consistent monthly gain of 3%?

XRP has recovered this July with strong momentum, jumping 9.76% so far and trading at $2.42. Notably, this surge has caught the attention of investors, especially as the broader crypto market shows signs of recovery. Some believe XRP’s season has now begun.

However, with the renewed energy, we recently assessed how long it would take XRP to reach $100 if it grew 3% every month from here. To evaluate this, we ran a projection based on this steady monthly gain.

Interestingly, several analysts and market pundits have persistently championed these targets, but the timelines vary. For instance, in May, analyst DK64Trades said he was confident XRP would breach $10 this cycle. Also, last November, CryptoBull suggested an XRP run to $20 is possible if it follows its 2017 fractal.

Meanwhile, for the $27 price level, market watcher EGRAG has consistently suggested XRP is on track to reach the target. Further, Cryptominder projects that XRP may reach $50 over the next five years, in 2030.

When Will XRP Finally Reach $100?

Notably, the timelines presented by these analysts are more optimistic than what our assessment arrives it. According to our assessment, XRP would reach $100 by January 2036, ending a ten-and-a-half-year run from its current price. Overall, the entire journey would take 126 months for XRP to reach $100.

However, this kind of smooth, uninterrupted climb doesn’t show how XRP, or any crypto, for that matter, actually behaves. History shows a different pattern. Specifically, XRP has never managed to pull off long streaks of green months.

Its best years, 2017 and 2023, only saw eight monthly gains each. Even then, those gains never came back-to-back for more than four months in a row. In most other years, XRP posted even fewer green months.

XRP Monthly Performances | Cryptorank

So far in 2025, it has split the year evenly with three positive and three negative months. That track record makes it clear: the crypto market rarely follows a neat pattern.

Crypto prices don’t grow on a set schedule. Notably, several forces will likely impact XRP price continuously without warning. So, expecting a steady 3% monthly climb for more than a decade doesn’t line up with how the market works.

Still, the idea of XRP reaching $100 dominates the community. Many investors believe it could get there, just not through slow and steady growth. They expect it to surge more quickly in response to major catalysts like adoption for payments.

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