Inflation-Adjusted Financial Goal & SIP Planner
Inflate today’s target cost using live MoSPI CPI inflation, offset existing savings growth, and back-solve exact flat or step-up monthly SIPs. Benchmarked against India’s published RBI Repo Rate (5.5%) and MoSPI Headline CPI Inflation (5.54%).
Sample ₹25,00,000 Goal Inflated at 5.54% CPI Over 12 Years
Future Inflated Goal Cost: ₹47,74,689. Existing ₹2,00,000 Savings Grows To: ₹8,38,123. Required Flat Monthly SIP: ₹12,216/month (or ₹7,835/month with 10% annual step-up).
Frequently Asked Questions
Why must long-term financial goals be adjusted for inflation first?
At 5.54% annual inflation, a goal costing ₹25 lakh today requires significantly more nominal rupees in 12 to 15 years. Planning without inflation leaves a major funding shortfall.
How do existing savings reduce my required monthly SIP?
Your existing earmarked corpus compounds over the goal horizon first. Only the remaining gap between future inflated goal cost and compounded existing savings needs to be funded via monthly SIPs.
Should education or medical goals use higher inflation than headline CPI?
Headline CPI reflects an economy-wide basket. Higher education and healthcare costs in India often inflate at 6% to 8% annually, so testing higher custom inflation scenarios is prudent.