Inflation-Adjusted Goal Calculator
Inflate a goal into future rupees, then see the lumpsum or monthly SIP that reaches that future amount. Calculated instantly in your browser.
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Setting a child education SIP with step-up
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Your result
Goal in future rupees
₹35,81,695
- SIP that reaches it
- ₹17,340
- Lumpsum that reaches it
- ₹13,80,899
- Goal in today’s rupees
- ₹20,00,000
Chacha's tip
Small changes move the numbers more than you'd think. Tap one to try it.
- A goal of ₹20,00,000 in today’s rupees is ₹35,81,695 after 10 years at 6% inflation.
- The SIP is paid at the start of each month, the same convention as the SIP calculator. Inflation and the return are assumptions you typed, not forecasts. Tax is not deducted.
Year by year
| Year | Goal by then | Lumpsum by then |
|---|---|---|
| 1 | ₹21,20,000 | ₹15,18,988 |
| 2 | ₹22,47,200 | ₹16,70,887 |
| 3 | ₹23,82,032 | ₹18,37,976 |
| 4 | ₹25,24,954 | ₹20,21,774 |
| 5 | ₹26,76,451 | ₹22,23,951 |
| 6 | ₹28,37,038 | ₹24,46,346 |
| 7 | ₹30,07,261 | ₹26,90,981 |
| 8 | ₹31,87,696 | ₹29,60,079 |
| 9 | ₹33,78,958 | ₹32,56,087 |
| 10 | ₹35,81,695 | ₹35,81,695 |
Disclaimer: A planning sketch. Inflation and the return are whatever you type. Not a forecast and not tax advice.
How it's calculated
Future goal = today’s goal × (1 + inflation)^years
Lumpsum = future goal ÷ (1 + return)^years
SIP future value uses start-of-month instalments; the SIP is solved so that future value equals the future goal
The page separates two assumptions that people often mix: how fast the goal gets more expensive, and how fast the savings grow. Both rates are inputs.
Assumptions
- Inflation and return stay constant.
- SIP instalments are monthly, at the start of the month.
- No tax and no step-up.
How to use this calculator
- Price the goal today. What the fee, corpus or purchase would cost in today’s rupees.
- Set the years. How long until you need the money.
- Set inflation. A rate you would still accept if prices rise faster than you hope.
- Set the return. A return you would defend in a dull stretch, not a brochure peak.
- Read the SIP and the lump. Pick one. Do not add them.
Frequently asked questions
What does this calculator do?
It raises a goal priced in today’s rupees by the inflation rate you type, for the number of years you type. It then solves the lumpsum, and the monthly SIP, that would grow to that future amount at the return you type.
Is 6% inflation a forecast?
No. Six percent is only a common starting point on this site’s inflation toggle. Change it. The calculator does not know future prices.
How is the SIP calculated?
The same way as the SIP calculator: instalments at the start of each month, with a monthly rate of annual return divided by 12. It is the instalment whose future value equals the inflated goal.
How is this different from the SIP inflation toggle?
The SIP toggle discounts a future corpus back into today’s rupees. This page does the opposite: it inflates a goal forward, then asks what you must save.
Does it include tax?
No. The return is before tax and before any exit load. A real redemption can leave you short of the goal.
What if I will not invest a lump today?
Read the SIP row. The lumpsum is the single amount that works if you invest it now and leave it. They are alternatives, not amounts you add together.
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Results from FinanceChacha are estimates for planning and education, not financial, tax or legal advice.