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See what your SIP savings will actually buy. Most calculators stop at the headline number. This one shows the future value, today's value after inflation, the money lost to inflation, and inflation defaults for your country, so you can plan honestly.
Quick answer: A $1,000/month SIP for 25 years at a 8% annual return grows to $957,367 on paper. After 3% inflation in Other, that's really worth $457,244 in today's money — about 52% less than the headline. Adjust the inputs below for your own plan.
Most SIP calculators show what your money will become. This one shows what it will actually be worth. Read every result as a pair: the future value is the headline, and the today's value is what you can really spend.
| Future value (on paper) | Today's value after inflation | What it actually buys |
|---|---|---|
| ₹5 Cr in 30 yrs | ~₹87 lakh today | A 2-BHK in a tier-2 city, not a metro penthouse |
| $1M in 25 yrs | ~$478K today | A modest retirement, not financial independence |
| £500K in 20 yrs | ~£305K today | A house deposit, not the house |
The big trap: mistaking the size of a future number for the size of what it can buy.
Inflation compounds over time, just like your returns. At 6% annual inflation, prices double roughly every 12 years. Over a 30-year SIP, prices roughly quadruple. So ₹5 crore in the future buys only about what ₹87 lakh buys today. The number on the screen is not wrong, it just isn't the answer to the question you actually care about.
Every future-facing calculation on this site shows both numbers side by side for exactly this reason. The number you plan against should be today's value after inflation, not the headline.
Three planning situations where the gap between the headline and today's value changes the right monthly SIP:
Default inflation rate for Other: 3.0% per year, based on long-run global CPI averages data (2026). You can override it in each calculator’s advanced options. See data sources for full citations.
An inflation adjusted SIP raises each monthly payment by the inflation rate, then works out what the resulting total is worth in today's money. Two formulas run side by side:
Worked example: a ₹10,000 a month SIP at 12% return, 6% inflation, over 30 years. The future value is about ₹3.53 Cr. After dividing by (1.06)30 ≈ 5.74, that is worth about ₹61.5 lakh in today's money. The big number is the one most calculators show. The smaller one is what you actually retire on.
At a 12% return and 6% inflation, stepping the SIP up by 6% a year, the future value reaches about ₹4.7 Cr. In today's money that is worth about ₹1.09 Cr. The headline number is 4.3 times the spendable one, and that gap is exactly what this calculator is built to show.
At an 8% return and 3% inflation, the inflation-stepped SIP grows to about $1.94M. In today's dollars that is worth about $800K. The Conservative scenario (6% return) lands at about $1.32M, or about $543K in today's money, roughly the cost of one comfortable retirement, not two.
At a 7% return and 2.5% inflation, the future value is about £300K and in today's money it is worth about £183K. The 20-year window keeps the gap narrower than the 30-year India case, because inflation compounds, so every extra decade widens the gap.
See what your monthly SIP could grow to, and what it will actually buy after inflation.
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