What this calculator does
It combines the standard SIP future value formula with an inflation adjustment to estimate real purchasing power.
SIP Inflation Calculator
Measure future wealth in today's purchasing power.
Estimate the maturity value of your SIP and compare it with its inflation-adjusted worth, so your projection reflects real value instead of headline numbers alone.
Total invested
₹12,00,000
Projected value
₹23,23,391
Real value after inflation
₹12,97,369
Purchasing power erosion
₹10,26,021
Adjust inputs
Plan your SIP
₹
How much you plan to invest every month.
%
Use a long-term estimate, not best-case returns.
%
Typical long-run assumptions in India often fall near 5% to 7%.
Years
Investment horizon in years.
Estimated wealth gain₹11,23,391
Real value retained₹12,97,369
How to read the result
Projected value shows headline corpus. Real value shows what that corpus may feel like in today's money.
Practical assumption range
For rough planning, many investors test 10% to 12% return assumptions and 5% to 7% inflation assumptions.
How the math works
The calculator first estimates the future value of monthly SIP contributions using a monthly compounding return assumption. It then discounts that future value using annual inflation to show the corpus in present-day terms.
Quick FAQs
Is SIP better than FD? SIPs usually offer higher long-run return potential, but they carry market risk unlike fixed deposits.
Can SIP beat inflation? Over long periods, diversified equity-oriented SIPs have historically had a better chance of outpacing inflation than low-yield products.