Future Value & Investment Planner

Inflation Calculator

Amount

Time Period Yrs

Country

Inflation Rate

0.0 %

The Effect of Inflation

Amount Today

₹ 0

Future Purchasing Power

₹ 0

Purchasing Power Lost

₹ 0

(Your money's value dropped by 0.0%)

Frequently Asked Questions (Inflation)

What is Inflation?

Inflation is the rate at which the general level of prices for goods and services rises, causing the purchasing power of currency to fall. In simple terms, your money today will buy you less in the future. This calculator shows you how much the *value* of your money decreases over time.

What is 'Future Purchasing Power'?

This is the 'real value' of your money in the future. For example, if you have ₹1,000,000 today, this calculator shows you what that same ₹1,000,000 will be able to buy in 10 years after accounting for inflation. You will see that it buys significantly less.

Why is my 'Lost Power' so high?

This shows the power of 'compounding inflation'. Even a small inflation rate of 5-6% per year adds up significantly over 10, 20, or 30 years, eating away at the value of your savings. This is why it is crucial to invest your money in assets that provide returns *higher* than the inflation rate.

SIP (Monthly)

Investment Type

Monthly Investment

Expected Return (p.a.) %

Investment Period Yrs

Country

Inflation Rate

0.0 %

Your Results

Gains

0%

Invested

Gains

Total Invested ₹ 0

Total Gains ₹ 0

Future Value (Maturity)

₹ 0

Purchasing Power (in Today's Value)

₹ 0

Frequently Asked Questions (SIP)

What is a SIP?

SIP stands for Systematic Investment Plan. It's a method of investing where you invest a fixed amount of money at regular intervals (usually monthly) into a mutual fund or other investment. It helps build discipline and averages out your purchase cost over time (Rupee Cost Averaging).

What is 'Purchasing Power (in Today's Value)'?

This shows you the *real value* of your final corpus, adjusted for inflation. Your 'Future Value' might look large, but inflation reduces what you can actually buy with it. This number tells you what your future corpus would be worth in *today's* money, giving you a realistic idea of your wealth.

How does 'Expected Return' work?

This is an *assumed* annual rate of return (p.a. = per annum) on your investments. For investments like mutual funds, this is not guaranteed and can fluctuate. It's important to be realistic. A common long-term estimate for equity funds is 10-12%, while debt funds might be 6-8%.

Lumpsum (One Time)

Investment Type

Principal Amount

Expected Return (p.a.) %

Investment Period Yrs

Country

Inflation Rate

0.0 %

Your Results

Gains

0%

Invested

Gains

Amount Invested ₹ 0

Total Gains ₹ 0

Future Value (at End Date)

₹ 0

Purchasing Power (in Today's Value)

₹ 0

Frequently Asked Questions (Lumpsum)

What is a Lumpsum Investment?

A lumpsum investment is a one-time investment of a significant amount of money into a financial instrument, like a mutual fund or a fixed deposit. Unlike a SIP, you are not investing regular smaller amounts. This calculator shows how that single investment can grow over time.

What is 'Compounding'?

Compounding is the 'interest on your interest'. Your investment earns returns, and in the next period, you earn returns on both your original principal *and* the accumulated returns. This is what makes lumpsum investments so powerful over a long time horizon, as your money can grow exponentially.

Is Lumpsum better than SIP?

It depends. Historically, if you invest a lumpsum at the "bottom" of a market, it can generate higher returns than a SIP. However, it's very difficult to 'time the market'. A SIP is a more disciplined, less-risky approach for most people as it averages out your cost. A lumpsum is often best if you receive a large, one-time amount like a bonus or inheritance.

SWP (Withdrawal)

Total Investment (Corpus)

Monthly Withdrawal

Expected Return (p.a.) %

Time Period Yrs

Your Withdrawal Projection

Initial Investment ₹ 0

Total Amount Withdrawn ₹ 0

Final Value (at end of period)

₹ 0

Note: This calculation shows the final value of your corpus *after* withdrawing a fixed amount each month for the specified period. It demonstrates how your money can continue to grow even while providing you with an income.

Frequently Asked Questions (SWP)

What is a SWP?

SWP stands for Systematic Withdrawal Plan. It's a method to receive a regular, fixed income from your investments. You invest a large corpus (lumpsum) and then 'withdraw' a fixed amount every month. Your remaining money stays invested and continues to earn returns.

How can my money grow even if I'm withdrawing?

This happens if your investment's 'Expected Return' is higher than your 'Withdrawal Rate'. For example, if your ₹50,00,000 earns 10% (₹5,00,000) in a year, but you only withdraw 6% (₹3,00,000), your corpus will still grow by the remaining 4%. This calculator shows this effect over time.

What is a 'Safe Withdrawal Rate'?

A 'Safe Withdrawal Rate' (SWR) is a popular retirement strategy. It's the percentage you can withdraw from your corpus each year (adjusted for inflation) with a low risk of running out of money. A common SWR is 3-4%. If your withdrawal rate is too high, you risk depleting your corpus, especially if returns are lower than expected.