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Inflation-Adjusted SIP Calculator
Understand the real purchasing power of your SIP returns after inflation
Configure Inputs
₹10,000
5005,00,000
12%
1%30%
20 Years
1 Yr40 Yrs
6%
1%15%
Nominal Value
₹99.91 L
At 12% return
Real Value (After Inflation)
₹44.60 L
Real return: 5.7% p.a.
Inflation Impact
₹55.32 L
55.4% purchasing power lost
Nominal vs Real Value
The gap between what you see and what you can buy
Inflation Impact Breakdown
How much of your nominal value is eroded by inflation
Key Insights
Nominal Return
12% p.a.
Real Return
5.7% p.a.
Nominal Wealth Multiple
4.2x
Real Wealth Multiple
1.9x
Year-by-Year Comparison
Nominal vs inflation-adjusted values
| Year | Invested | Nominal | Real | Inflation Loss |
|---|---|---|---|---|
| Year 1 | ₹1.20 L | ₹1.28 L | ₹1.24 L | -₹4,349 |
| Year 2 | ₹2.40 L | ₹2.72 L | ₹2.55 L | -₹17,756 |
| Year 3 | ₹3.60 L | ₹4.35 L | ₹3.93 L | -₹41,861 |
| Year 4 | ₹4.80 L | ₹6.18 L | ₹5.40 L | -₹78,545 |
| Year 5 | ₹6.00 L | ₹8.25 L | ₹6.95 L | -₹1.30 L |
| Year 6 | ₹7.20 L | ₹10.58 L | ₹8.59 L | -₹1.99 L |
| Year 7 | ₹8.40 L | ₹13.20 L | ₹10.33 L | -₹2.87 L |
| Year 8 | ₹9.60 L | ₹16.15 L | ₹12.16 L | -₹3.99 L |
| Year 9 | ₹10.80 L | ₹19.48 L | ₹14.11 L | -₹5.37 L |
| Year 10 | ₹12.00 L | ₹23.23 L | ₹16.17 L | -₹7.07 L |
| Year 11 | ₹13.20 L | ₹27.46 L | ₹18.34 L | -₹9.12 L |
| Year 12 | ₹14.40 L | ₹32.23 L | ₹20.64 L | -₹11.58 L |
| Year 13 | ₹15.60 L | ₹37.59 L | ₹23.08 L | -₹14.51 L |
| Year 14 | ₹16.80 L | ₹43.64 L | ₹25.66 L | -₹17.98 L |
| Year 15 | ₹18.00 L | ₹50.46 L | ₹28.39 L | -₹22.07 L |
| Year 16 | ₹19.20 L | ₹58.14 L | ₹31.27 L | -₹26.86 L |
| Year 17 | ₹20.40 L | ₹66.79 L | ₹34.33 L | -₹32.46 L |
| Year 18 | ₹21.60 L | ₹76.54 L | ₹37.56 L | -₹38.98 L |
| Year 19 | ₹22.80 L | ₹87.53 L | ₹40.98 L | -₹46.55 L |
| Year 20 | ₹24.00 L | ₹99.91 L | ₹44.60 L | -₹55.32 L |
Calculator results are for illustration purposes only. Actual returns may vary based on market conditions, fund performance, and other factors. Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing. Past performance does not guarantee future returns.