# Inflation-Adjusted SIP Calculator — Arthum Wealth Services

Enter the corpus you want in *today's* money, your time horizon, an expected return and an inflation rate. The calculator grows the goal to its future cost, then works backwards to the monthly SIP you need to start today.

**Formulas:**
- Future cost: FV = C × (1 + f)^Y, where C = corpus in today's money, f = annual inflation, Y = years.
- Required SIP: P = FV × i ÷ [((1 + i)ⁿ − 1) × (1 + i)], where i = monthly return, n = number of months.

Tips:
- At 6% inflation, ₹1 crore of today's lifestyle costs about ₹2.4 crore in 15 years.
- Use the goal's own inflation rate: 8–10% is the usual planning assumption for education and healthcare; headline CPI (~5–6%) suits most other goals.
- If the required SIP is steep: give the goal more time, raise the equity share, use a step-up SIP, or apply lump sums you already hold.
- The SIP is held level for the whole term, so it gets easier in real terms every year.

Try also: [Goal SIP](/calculators/goal-sip/) · [SIP](/calculators/sip/) · [Step-up SIP](/calculators/step-up-sip/) · [Retirement](/calculators/retirement/)

Calculator outputs are illustrative estimates and do not guarantee returns. Mutual fund investments are subject to market risks.

**Start a goal SIP:** WhatsApp utkarshmail · utkarsh@arthumwealth.com · https://www.assetplus.in/mfd/utkarsh