Inflation Adjusted SIP Calculator
See your SIP returns after accounting for inflation
Start CalculatingInflation Adjusted SIP Calculator
Total Invested: ₹
Estimated Returns: ₹
Maturity Amount (Nominal): ₹
Maturity Amount (Inflation Adjusted): ₹
How Does Inflation Impact Your SIP Returns?
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Reduces Real Value
Inflation lowers your future money’s purchasing power over time.
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Impacts Planning
Accounting for inflation helps you set realistic financial goals.
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Adjusts Returns
Gross returns may look large, but inflation reduces actual wealth growth.
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Plan Better
Use inflation-adjusted projections for smarter investment decisions.
What is Inflation Adjusted SIP?
Inflation adjusted SIP estimates the true value of your investments by subtracting the erosion in purchasing power caused by rising prices. This helps you to see “real” returns, making retirement and long-term planning more accurate.
Why It Matters:
- Shows the real growth of your wealth.
- Prevents underestimating future expenses.
- Helps correct corpus target planning for major milestones.
- Makes inflation-aware decisions about SIP size and duration.
How to Use the Inflation SIP Calculator
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Enter SIP & inflation details
Monthly SIP, expected returns and estimated inflation rate
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View instant results
Get both nominal and real/adjusted returns side by side
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Plan for real goals
Match SIP targets with future needs, not just numbers
FAQs: Inflation Adjusted SIP
Inflation means the average increase in prices each year. It reduces how much you can buy with your money over time.
Adjusting for inflation helps you see the actual growth of your wealth in terms of purchasing power, not just numbers.
The nominal investment value is divided by (1 + inflation rate)years to find the real (adjusted) value.
Historically, disciplined SIPs in equity mutual funds have beaten inflation over the long term. Adjust your goals for real growth, not just numbers!
What Our Users Say
Ajay Sharma
★★★★★
“The inflation-adjusted calculator helped me set the right SIP for my child's education.”
Meghana Rao
★★★★★
“Now my retirement planning is inflation proof! The charts are so easy to understand.”
Deepak Singh
★★★★★
“Shows clear difference between nominal and real returns. Must use for every SIP investor!”