Tools
Inflation Adjusted SIP Return Calculator
Project how your monthly SIP may grow over time — and what that corpus could be worth in today's purchasing power after inflation. Useful for goal planning before you choose products or tenure.
Calculator inputs
Adjust your monthly SIP, expected return, investment period, and inflation to project nominal and inflation-adjusted outcomes.
Total invested
₹6,00,000
Estimated returns
₹5,61,695
Future value (nominal)
₹11,61,695
Projected corpus before adjusting for inflation.
Inflation-adjusted value
₹6,48,685
Purchasing power in today's terms · Real return approx. 5.66% p.a.
Corpus composition
Year-wise projection
Nominal corpus vs inflation-adjusted value at the end of each year.
| Year | Invested | Nominal corpus | Real value (today) |
|---|---|---|---|
| 1 | ₹60,000 | ₹64,047 | ₹60,421 |
| 2 | ₹1,20,000 | ₹1,36,216 | ₹1,21,232 |
| 3 | ₹1,80,000 | ₹2,17,538 | ₹1,82,649 |
| 4 | ₹2,40,000 | ₹3,09,174 | ₹2,44,895 |
| 5 | ₹3,00,000 | ₹4,12,432 | ₹3,08,193 |
| 6 | ₹3,60,000 | ₹5,28,785 | ₹3,72,773 |
| 7 | ₹4,20,000 | ₹6,59,895 | ₹4,38,868 |
| 8 | ₹4,80,000 | ₹8,07,633 | ₹5,06,719 |
| 9 | ₹5,40,000 | ₹9,74,108 | ₹5,76,573 |
| 10 | ₹6,00,000 | ₹11,61,695 | ₹6,48,685 |
How this calculator works
Future value assumes monthly instalments at the start of each month, compounded at your expected annual return.
Inflation-adjusted value discounts the nominal corpus back to today's rupees using your expected inflation rate.
Returns are illustrative only. Actual mutual fund performance varies with market conditions.
FV = P × [((1 + r)ⁿ − 1) / r] × (1 + r)
Real value = FV ÷ (1 + inflation)ʸᵉᵃʳˢ
Real return = (1 + nominal) ÷ (1 + inflation) − 1
Example scenario
A ₹5,000 monthly SIP for 10 years at 12% p.a. could grow to about ₹11.6 lakh nominally, with an inflation-adjusted value of roughly ₹6.5 lakh at 6% inflation — on a total investment of ₹6 lakh.
Mutual fund investments are subject to market risks. Read all scheme-related documents carefully. Past performance does not guarantee future returns. This calculator is for education only and not investment advice.
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