XRP saw strong growth in July 2025, recording a 10.28% increase and is currently trading at $2.49. This surge has sparked new interest in this token, with some investors speculating that XRP may be entering a bullish phase. Based on this, we examined how long it would take XRP to reach the $100 price target if it grows steadily at 3% per month.
Calculation of XRP's Growth Trajectory
Starting with a price of $2.49 in July 2025, we simulated a scenario in which XRP grows by 3% each month without error. Based on this double growth model, the price of XRP will rise to about $2.89 by December 2025 and reach $3.44 by June 2026. Although the growth may seem modest in the early stages, it will significantly accelerate over time.
If the monthly growth rate remains steady, XRP will reach $10 by July 2029. Two years later, in July 2031, the price will rise to about $20. By May 2032, the price of this token is expected to exceed $27. The $50 threshold will be reached by February 2034.
According to this trajectory, XRP will eventually reach the $100 mark by January 2036. The entire journey will last 126 months from the starting point in July 2025, equivalent to about ten and a half years of continuous growth.
Analyst Opinions and Relative Timelines
These forecasts are more cautious compared to estimates from some market commentators. For example, earlier this year, DK64Trades stated that XRP could surpass $10 in the current cycle. Last year, CryptoBull predicted that XRP could reach $20 if it reflects the same pattern observed during the 2017 bull run.
Additionally, the price level of $27 is frequently mentioned by EGRAG, a well-known market analyst, who believes XRP will reach that price in the medium term. Cryptominder also predicts a valuation of $50 by 2030, aligning with the midpoint of the forecast timeline in our model.
Realistic Expectations vs. Market Behavior
Although a stable monthly growth of 3% is mathematically reasonable, historical data shows that XRP's price behavior often does not follow a consistently upward trend. Its most successful years, 2017 and 2023, each had only eight months of positive growth, with increases rarely extending for more than four consecutive months.
In 2025, performance was evenly split between gains and losses in the first six months of the year. This reflects the unusual and unstable price volatility trend of the cryptocurrency market in general, making long-term linear forecasting challenging.
Although theoretically, XRP could reach $100 in just over a decade with a steady monthly growth rate, actual market performance rarely aligns with such models. Price volatility is influenced by many unpredictable factors, including legal developments, institutional adoption, and overall investor sentiment.
However, many XRP supporters remain optimistic that this token will ultimately reach a three-digit valuation, although most expect such growth to occur in response to major catalysts rather than through steady incremental growth.