Inflation-Adjusted SIP Calculator — Real Return Simulator
Calculate your Systematic Investment Plan (SIP) returns adjusted for inflation. Find the true purchasing power of your future savings.
How to use this calculator
👉 Fill in the boxes below and your answer appears instantly — no maths needed, we do it all for you! 🎉
In plain English — what does this do?
🌱 When you save money in a bank, the bank gives you a small gift (called interest) for keeping it there. Then next year, you get a gift on your gift too! This tool shows how much your money will grow over time.
An Inflation-Adjusted SIP Calculator computes the future maturity value of a periodic mutual fund investment while discounting the final amount by expected inflation, showing the actual purchasing power of your money in today's dollars.
Future Portfolio Value Estimates
What is Inflation-Adjusted SIP Calculator — Real Return Simulator?
An Inflation-Adjusted SIP Calculator computes the future maturity value of a periodic mutual fund investment while discounting the final amount by expected inflation, showing the actual purchasing power of your money in today's dollars.
How to use it
- 1️⃣ Enter your monthly SIP investment amount (e.g. $200).
- 2️⃣ Enter expected annual rate of return (e.g. 12%).
- 3️⃣ Enter investment duration in years (e.g. 15 years).
- 4️⃣ Input the estimated annual inflation rate (typically 5-6%).
- 5️⃣ The tool updates the nominal value vs real inflation-adjusted value.
Formula
💡 See it in action — a real example
❓ Common questions
- Why is inflation adjustment critical for SIPs?
- Because $100,000 in 20 years will buy far less than it does today. Factoring in inflation prevents you from underestimating the future size of the corpus you need.