Financial planners often say "Inflation is the silent killer of wealth." If you are planning for a goal 20 years away, looking at just the absolute numbers can be dangerous. ₹1 Crore today will buy you a luxury apartment; in 20 years, it might only buy you a mid-range sedan.
When you see a big number in an SIP calculator, that is your **Nominal wealth**. To find your **Real wealth**, you must adjust for inflation-which in India historically averages between 5% and 6% per year.
Our SIP tool allows you to toggle inflation on and off to see your real purchasing power.
Check Real ReturnsImagine your SIP grows to ₹2 Crores in 20 years at a 12% return. If inflation is 6%, your **Inflation Adjusted Amount** will be approximately ₹62 Lakhs. This means your ₹2 Crores in the future will have the same purchasing power as ₹62 Lakhs has today.
Inflation helps you understand if your goal is truly enough. If your retirement goal is ₹5 Crores, and the inflation-adjusted value is only ₹1.5 Crores, you might need to increase your SIP amount or step-up factor today to ensure you don't face a shortfall in the future.