SIP Return & Goal Planner (Inflation-Aware)
Plan smarter SIPs with accurate projections, inflation-adjusted goals, step-up options, and a clean downloadable summary—designed for Indian investors in 2025.
If you invest via SIPs but aren’t sure how much you’ll really accumulate—or how inflation changes your target—this tool is for you.
Most SIP calculators show a single maturity value. Real life is messier: incomes grow, SIPs step up, markets fluctuate, and your goal’s price tag creeps up with inflation. The AI SIP Return & Goal Planner solves for what actually matters: How much should you invest monthly to reach a specific goal by a specific year—after inflation? Or, if you already invest a fixed monthly amount, how much can you realistically expect under different return and step-up assumptions.
What’s different in this calculator? It models inflation-adjusted goal values, annual step-up SIPs, and provides transparent math so you can trust the numbers. It also includes a clean chart to visualize year-by-year growth of contributions vs. gains.
Use it in two modes: Plan by SIP (enter your monthly SIP and see projected wealth), or Plan by Goal (enter target amount and discover the monthly SIP you need). You can toggle inflation, step-ups, and expected return (CAGR). Results update instantly on your device—no tracking, no sign-up.
Pro tip: For long goals (10–20 years), try 10–12% CAGR for equity-heavy portfolios, 6–8% for conservative mixes, and keep inflation at 5–6% to be safe. Consider a modest 5–10% annual step-up to match income growth.
Advanced SIP Calculator — Blogger-friendly (No currency signs)
Total Invested
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Future Value
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Wealth Gain
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Inflation Adjusted
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| Year | Invested | Future Value | Gain |
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How the math works (transparent & simple)
The calculator uses standard time-value-of-money math adjusted for monthly compounding. For a constant monthly SIP, the future value (FV) is the sum of each month’s deposit grown at the monthly rate r until the end of the term. With an annual step-up s, the monthly deposit in year y becomes SIP × (1+s)^{(y-1)}. We compute FV by iterating month by month, applying step-ups at months 12, 24, 36, and so on. For goal planning, we first inflate your target by i% a year to reach the goal’s future value, then solve for the SIP that reaches that future value under the same compounding and step-up logic.
Inflation matters: A Rs.1 crore goal today is not Rs.1 crore fifteen years later. At 5% inflation, that target becomes ~Rs.2.08 crore. Planning with inflated goals avoids shortfalls later.
Choosing CAGR: Equity-heavy portfolios have historically delivered higher but more volatile returns. Conservative blends (debt/gold) lower volatility but reduce CAGR. This tool doesn’t forecast markets; it helps test assumptions so you can set realistic SIPs and step-ups.
Safety tips: Revisit assumptions annually, avoid over-optimistic CAGR, keep an emergency fund, and align asset allocation to your risk profile. Consider consulting a SEBI-registered advisor before major decisions.
FAQs
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