Total investment
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Investment breakdown
Share of your total contributions versus net returns at maturity.
Investment vs growth
See how your SIP contributions compound into corpus over time.
| Year | Investment | Interest | Corpus | Today’s value |
|---|---|---|---|---|
| Run a calculation to see the yearly schedule. | ||||
Also calculate
Switch tools without leaving your flow.
SIP Calculator
Plan regular mutual fund SIPs with charts and yearly breakdown.
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Step-up SIP Calculator
Model SIPs that increase by a fixed % every year.
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SIP Expense Ratio Calculator
See how mutual fund fees drag SIP corpus over time.
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Lumpsum Inflation Calculator
Adjust one-time investment outcomes for inflation.
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Why a large corpus can still fall short
A projection that ends in ₹2 crore reads as success until you ask what ₹2 crore buys in twenty-five years. At 6% inflation, prices roughly quadruple over that span, so the same corpus commands about a quarter of the goods it would today. This page runs the projection normally and then restates the result in today's money, which is the figure that tells you whether the goal is funded.
How to read the results
- Final corpus (nominal) — the future value at your expected return, in future rupees.
- Today’s value — the same corpus divided by (1 + inflation) raised to the number of years.
- Purchasing power loss — the difference between the two, which is what inflation quietly takes.
Choosing an inflation rate
General long-term planning usually assumes 4% to 6%. Match it to the goal instead of the headline index where you can: education and healthcare costs have historically climbed faster than the consumer price basket, so a college fund planned at 5% may be planned short. Run two or three rates and see how much the answer moves — if the plan only works at the lowest one, it does not work.
For a one-time investment, use the lumpsum inflation calculator. For the nominal projection on its own, use the core SIP calculator.
FAQ
SIP inflation calculator FAQs
Why adjust a projection for inflation at all?
Because goals are priced in goods, not rupees. A corpus is only adequate relative to what it has to buy, and prices will have moved by the time you get there. Adjusting for inflation converts an impressive-looking number into a number you can judge.
How is today’s value calculated?
Today’s value equals the nominal corpus divided by (1 + inflation) raised to the power of the number of years. Purchasing power loss is simply the difference between the nominal corpus and that adjusted figure.
What inflation rate should I assume?
Long-term planning commonly uses 4% to 6%, but match it to the specific goal where you can — education and medical costs have historically risen faster than general prices. Test a couple of rates to see how sensitive the plan is.
Should I raise my expected return instead?
That is the same arithmetic done less transparently. Keep the return and the inflation assumption separate: one is about markets, the other about prices, and you will revise them for different reasons.
Does this include expense ratio or step-up contributions?
No — this page isolates inflation. The expense ratio calculator handles fund fees, and the step-up SIP calculator handles rising contributions.