SIP calculator · free, no sign-up
SIP calculator that shows the value after inflation
Most SIP calculators stop at a big future number. This one also translates it back into today's buying power, so you can tell whether the goal is really covered.
Change the inputs
SIP reality check
Shows the future value and what that money may feel like in today’s rupees.
Transparent formulas. Estimates are education, not promises or insurance advice.
Your result
₹Inflation means future rupees may buy less. The second number translates the result back into today’s buying power.
Save it in RupaylogyHow this calculator works
- Future value assumes the SIP is invested at the start of every month and grows at the expected return you enter, compounded monthly.
- The inflation-adjusted value divides the future amount by (1 + inflation)^years. That is roughly what the money would buy at today's prices.
- Returns are an assumption, not a promise. Try a lower and a higher return to see a range instead of one number.
A worked example
₹20,000 a month for 15 years at an assumed 11% could grow to about ₹91.8 lakh. You would have put in ₹36 lakh. At 6% inflation, that ₹91.8 lakh buys roughly what ₹38 lakh buys today.
Questions people ask
What inflation rate should I use?
India's retail inflation has averaged around 5–6% a year over the last decade. Education and healthcare costs have often risen faster, so use a higher rate for those goals.
What return should I assume for a SIP?
There is no guaranteed SIP return. Equity funds can fall sharply in some years. Test a few rates, for example 8%, 10% and 12%, and plan around the lower ones.
Does this include a step-up SIP?
No. It assumes the same amount every month. Raising your SIP every year with your salary shortens the time to reach a goal a lot.
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