Inflation-Adjusted Goal SIP Calculator
Big goals like a child's education, a wedding or a home down-payment will cost far more in future due to inflation. This calculator inflates today's cost to its future value and computes the monthly SIP needed — accounting for any savings you already have.
🚀 Open the Inflation-Adjusted Goal SIP Calculator →
Formula
Future cost = present cost × (1+inflation)^years. Required SIP is solved from the future value of an annuity at your expected return.
Example
A ₹20,00,000 goal in 10 years at 6% inflation becomes ~₹35,80,000 — needing a sizeable monthly SIP at 12% returns.
Frequently Asked Questions
Why adjust goals for inflation?
Ignoring inflation understates how much you'll actually need, leaving a shortfall when the goal arrives.
What inflation rate should I use?
6%–7% is a reasonable long-term assumption for India; education and healthcare often inflate faster (8%–10%).
Related calculators
- Goal-Based Investment Calculator
- SIP Calculator — Mutual Fund SIP Returns
- Retirement Planner — Corpus & SIP Calculator
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