SIP Calculator with Inflation Adjustment - Smart Mutual Fund Planner

Monthly Investment (₹)

Expected Annual Return (%)

Investment Duration (Years)

Annual Step-Up (%) (Optional)

Adjust for Inflation

Inflation Rate (%)

Total Invested

₹0

Future Value

₹0

Inflation Adjusted Value

₹0

Wealth Gained

₹0

Planning long-term investments without considering inflation can give a misleading picture of your actual wealth. Our SIP Calculator with Inflation Adjustment helps you calculate not only the future value of your mutual fund SIP investments but also their real value after inflation.

This tool is designed for investors who want realistic financial planning and a clear understanding of how inflation impacts their long-term SIP returns.

What is a SIP?

SIP (Systematic Investment Plan) is a disciplined way of investing a fixed amount regularly in mutual funds. Instead of investing a lump sum, SIP allows investors to benefit from rupee cost averaging and the power of compounding over long periods.

Why Inflation Adjustment is Important

Inflation reduces the purchasing power of money over time. For example, ₹1 crore after 20 years may not have the same value it has today. A normal SIP calculator shows nominal returns, but it does not show what your money is actually worth in today’s terms.

By enabling inflation adjustment, this calculator shows:

• Real value of your investment corpus
• True wealth creation after inflation
• More accurate retirement and goal planning

Features of This SIP Calculator

• Monthly SIP return calculation
• Optional annual SIP step-up
• Inflation-adjusted real returns
• Total invested amount and wealth gained
• Fast, lightweight, mobile-friendly design
• No login, no data storage – 100% privacy

How to Use the SIP Calculator

1. Enter your monthly investment amount
2. Set the expected annual return rate
3. Select investment duration in years
4. Optionally add annual step-up percentage
5. Enable inflation adjustment if required
6. View instant results below the calculator

Frequently Asked Questions (FAQ)

Yes, this SIP calculator is completely free and can be used unlimited times without registration.

The results are based on standard SIP and inflation formulas. Actual mutual fund returns may vary due to market conditions.

A long-term average inflation rate of 5%–6% is commonly used for financial planning in India.

No. All calculations happen in your browser. No data is stored or shared.

Disclaimer

This SIP calculator is for informational purposes only and does not constitute financial advice. Mutual fund investments are subject to market risks. Please consult a certified financial advisor before investing.