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SIP Inflation Calculator

Calculate future SIP investment value and inflation-adjusted real value with monthly contributions, expected returns, and inflation assumptions.

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Privacy: This tool runs locally in your browser. No inputs are uploaded or stored.
Quick Examples

Inputs

Goal Calculator

Results

Inflation-adjusted value (today's money)-
Future corpus-
Total invested-
Estimated gains-
Real return CAGR-
Corpus growth over time
Year-wise breakdown
YearInvestedCorpusReal valueGains
Understanding the three components:
  • Principal (invested amount) — the total money you put in via SIP contributions.
  • Compound interest (gains) — returns earned on your contributions that themselves earn returns over time.
  • Inflation erosion — the reduction in purchasing power; the gap between nominal corpus and real value shows how much inflation has eaten away.

How it works

How the SIP Inflation Calculator Works

A SIP that returns 12% annually sounds great — until inflation eats 6% of it, leaving you with just 5.6% in real purchasing power. Most SIP calculators show only the nominal corpus, which can be misleading when planning long-term financial goals.

This calculator shows both the nominal future value and the inflation-adjusted real value of your systematic investment plan. Enter your monthly SIP amount, expected annual return, investment horizon, and expected inflation rate to see the true worth of your corpus in today's money.

You can also model annual step-up SIPs (increasing your investment each year) and compare different return and inflation scenarios. The year-by-year breakdown and real return CAGR give you a complete picture of what your investments will actually be worth when you need them.