Mutual Fund & Stock SIP Calculator with Inflation Adjustment – Plan Smarter Investments”

Mutual Fund & Stock SIP Calculator — A Practical Guide for Indian Investors

Mutual Fund & Stock SIP Calculator is one of the most useful tools for retail investors who want to estimate the future value of monthly investments (SIP) or lump-sum investments while accounting for inflation. Use this guide to understand what the calculator shows, how to interpret the results, and how to use.

Why inflation adjustment matters for SIPs and lump-sum investments

Over time, inflation reduces the purchasing power of your returns. A nominal return that looks impressive may still leave you poorer in real terms if inflation is high. That’s why a Mutual Fund & Stock SIP Calculator with inflation adjustment gives you a clearer picture — it shows not just the money you’ll see in your account, but the buying power that money will have.

Inflation Adjusted SIP Calculator

Click Inflation Adjust SIP calculator and calculate

What this calculator does (simple explanation)

Calculates total invested amount for SIPs (monthly contributions) and lump-sum investments.

Estimates final value using start price/NAV and end price/NAV.

Computes annualised returns (CAGR or an approximate XIRR for SIPs).

Adjusts the annualised return for a user-specified inflation rate to produce a real return and inflation-adjusted final value.

Association of Mutual Funds in India (AMFI)

How to use the Mutual Fund & Stock SIP Calculator (step-by-step)

1. Pick the investment type: Mutual Fund SIP / Mutual Fund Lump Sum / Stock SIP / Stock Lump Sum.

2. Enter start NAV / price: The price at which you begin investing. For funds, this is NAV; for stocks, the purchase price.

3. Enter end NAV / price: The current or expected exit NAV/price.

4. Enter amount: For SIPs, monthly contribution; for lump-sum, the invested amount.

5. Enter number of years: Investment duration.

6. Enter inflation rate: Use a realistic annual inflation estimate (e.g., 4–7% for India, depending on horizon).

7. Hit Calculate. Read Nominal results and the Inflation-adjusted (real) summary.

Interpreting the outputs

Total Invested: Sum of all contributions.

Final Value: Market value at exit price/NAV.

Profit/Gain: Final Value − Total Invested.

Annualised Return (CAGR / Approx XIRR): Good for comparing returns across investments.

Real Return & Real Final Value: These show your return and final balance in today’s rupee terms — what truly matters for your future buying power.

Reserve Bank of India

Practical example (quick illustrative numbers)

Suppose you invest ₹5,000 monthly for 5 years (SIP), start NAV ₹60 and end NAV ₹120, inflation 6%:

Nominal returns look healthy, but after adjusting for 6% inflation, the real return will be lower. Use the calculator to see exact numbers and decide whether the investment meets your real goals (like a down payment, child’s education, etc.).