Inflation-Adjusted SIP Calculator
See what your future mutual fund SIP maturity amount will actually buy in today's rupee terms after factoring in Indian inflation.
Actual purchasing value after 15 years of 6% annual inflation
*Real purchasing power represents what this future corpus could buy at today's cost of living.
Important Educational Disclaimer for Calculator Results:
Calculations are estimates based on your entered inputs and selected return or inflation assumptions. Results are illustrative, hypothetical, and not guaranteed. Actual market returns, interest rates, tax liabilities, and inflation rates will vary and may materially alter your final outcome. This calculator does not constitute financial, investment, or tax advice.
What will your future wealth truly buy in today's purchasing power?
Investing ₹15,000/month for 15 years at 12% CAGR creates a nominal maturity amount of ₹75,68,640. However, with 6% annual inflation, its real purchasing power in today's money is ₹31,58,129.
- Nominal Future Value: ₹75,68,640 (The rupee number you will see in your mutual fund account in 15 years).
- Real Value in Today's Prices: ₹31,58,129 (What goods and services that corpus will actually purchase).
- Inflation Haircut: Rising prices consume ₹44,10,511 of nominal purchasing power over this period.
How This Calculator Works
First calculates the nominal future value using standard monthly SIP compounding, then discounts it back to today's purchasing power using the compound inflation deflator.
Real Future Value = Nominal Maturity Amount / (1 + Inflation Rate)^tVariables in Formula:
Worked Step-by-Step Example
You invest ₹15,000/month for 15 years in equity mutual funds (12% CAGR) with an average 6% inflation rate.
Key takeaway: Even after heavy 6% inflation haircut, your real purchasing power still increases by +17% above your total out-of-pocket savings.
Common Mistakes to Avoid
⚠ Setting goals in nominal future rupees
Saying 'I need ₹1 Crore in 20 years' is dangerous because ₹1 Crore in 2045 will only buy what ~₹31 Lakhs buys today at 6% inflation.
⚠ Keeping SIP static for 15 years
Stepping up your SIP by 10% each year completely counteracts inflation and preserves massive real purchasing power.
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