Monthly SIP Calculator with Inflation Adjustment

✅ What is it?

A Monthly SIP (Systematic Investment Plan) Calculator with Inflation Adjustment helps you estimate the future value of your investments after factoring in inflation. This gives you a more realistic idea of your purchasing power in the future.

---

📌 Why Use Inflation Adjustment?

Without adjusting for inflation, you may think your future corpus is enough — but in reality, it might buy you much less. This calculator shows both:

• Nominal value (without adjusting for inflation)
• Real value (adjusted for inflation)

---

🧾 Formula Used

1. Future Value (FV) of SIP:

FV=P×(1+r)n−1r×(1+r)FV = P \times \frac{(1 + r)^n – 1}{r} \times (1 + r)FV=P×r(1+r)n−1​×(1+r)

• PPP = Monthly SIP amount
• rrr = Monthly rate of return (Annual return ÷ 12 ÷ 100)
• nnn = Number of months (Years × 12)

2. Inflation-adjusted Value:

Real Value=FV(1+i)t\text{Real Value} = \frac{FV}{(1 + i)^t}Real Value=(1+i)tFV​

• iii = Annual inflation rate (as decimal)
• ttt = Number of years

🧠 Example

Parameter	Value
Monthly SIP	₹10,000
Annual Return Rate	12%
Investment Duration	20 years
Expected Inflation	6%

📈 Output:

• Future Value (Nominal): ₹76.4 lakhs
• Real Value (Adjusted for 6% Inflation): ₹24.3 lakhs