SIP Calculator with Inflation-Adjusted Returns
Calculate your mutual fund SIP returns and see what your money will actually be worth after inflation. Get the complete picture of your financial growth.
Investment Details
See what your money will actually be worth in today's purchasing power
Your SIP Investment Summary
Real value adjusted for 6% annual inflation
📊Power of Compounding
Your money grows exponentially over time. The longer you invest, the more powerful compounding becomes. Even small amounts invested regularly can create significant wealth.
💰Why Real Value Matters
Inflation reduces purchasing power over time. ₹1 lakh today won't buy the same things in 20 years. Our calculator shows both nominal returns and real purchasing power, helping you understand what your money will actually be worth.
🤔 Frequently Asked Questions
How accurate is this SIP calculator?
This calculator provides estimates based on your inputs assuming constant returns. Actual mutual fund returns vary based on market performance, fund selection, and economic conditions. Use this as a planning tool, not a guarantee.
Can I change my SIP amount later?
Yes, most mutual fund companies allow you to increase, decrease, or pause your SIP. You can also start multiple SIPs in the same fund. It's advisable to review and adjust your SIP annually based on income changes and financial goals.
What does inflation-adjusted value mean?
Inflation-adjusted value shows what your investment will be worth in today's purchasing power. For example, if you have ₹1 crore in 20 years, it shows how much stuff that money can actually buy compared to today's prices.
What's a realistic return expectation for SIPs?
Historically, diversified equity mutual funds in India have delivered 10-15% annual returns over long periods (15+ years). However, returns can be volatile in the short term. Conservative estimates of 10-12% are often used for long-term planning.
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⚠️ Important Disclaimer
Returns are computed assuming a constant annual growth rate. SIP investments are made monthly. Inflation is assumed to remain constant throughout the investment period at the specified rate.
Mutual fund investments are subject to market risks. This calculator provides estimates for educational purposes only and does not guarantee returns. Past performance is not indicative of future results. Please consult with a qualified financial advisor for personalized investment advice.