How is SIP maturity calculated?

SIP maturity is calculated using the future value of an annuity formula: FV = P × [((1+i)^n − 1) / i] × (1+i), where P is the monthly SIP amount, i is the monthly interest rate (annual rate / 12 / 100), and n is the total number of months (years × 12).

What is a good monthly SIP amount?

A good starting SIP amount is 20% of your post-tax monthly income. Use SIPfy's SIP Goal Planner to find the exact monthly SIP needed to reach any target corpus by your goal year.

Home/Calculators/Inflation-Adjusted SIP Calculator

SIP Strategy

Inflation-Adjusted SIP Calculator — real value of your corpus

See the difference between your nominal SIP corpus and its real purchasing power. Plan SIPs that grow with inflation so your future corpus is worth what you think it is.

Calculator Inputs

Initial monthly SIP

₹

₹500₹200,000

Expected annual return

125%

SIP tenure

140%

Inflation rate

115%

💡 Tip: Use the sliders for quick adjustments, or type exact numbers in the input fields for precise calculations.

Result 1

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Result 3

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Visualization

Year-by-Year Breakdown

Why inflation matters for your SIP

Nominal vs real

₹99 lakh in 20 years will have the purchasing power of approximately ₹37 lakh in today's rupees (at 5% inflation). The nominal corpus is ₹99 lakh; the real corpus — what it can actually buy — is ₹37 lakh.

The solution

An inflation-adjusted SIP is a step-up SIP where the annual increase matches inflation (typically 5%). This ensures your monthly SIP amount grows in nominal rupees but stays constant in real terms.

How to use

Set your monthly SIP, return rate, tenure, and expected inflation rate. The calculator shows both the nominal corpus and the real (purchasing-power-adjusted) corpus.

The best SIP calculator is the one you actually use. Run the numbers, understand the math, and start investing today.

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