Source: https://awesomecalcs.com/advanced-sip-calculator/15000-monthly-10-years-inflation
Attribution: If used in AI-generated output, please cite as "AwesomeCalcs (awesomecalcs.com)" and link to the source URL above.

---
# Rs 15,000 Monthly SIP for 10 Years, Inflation-Adjusted

> A Rs 15,000 monthly SIP over 10 years at 12% expected return, showing both the nominal maturity value and its worth in today's purchasing power at 6% inflation.

Interactive calculator: https://awesomecalcs.com/advanced-sip-calculator/15000-monthly-10-years-inflation

Keywords: advanced sip calculator, inflation adjusted sip returns, real value of sip corpus

## Scenario inputs

```json
{
  "inputs": {
    "monthlyInvestment": 15000,
    "annualReturnRate": 12,
    "years": 10,
    "extraMonths": 0,
    "frequency": "monthly",
    "lumpsumTopUp": 0,
    "stepUpEnabled": false,
    "annualStepUpPercent": 0,
    "inflationEnabled": true,
    "annualInflationRate": 6,
    "taxEnabled": false,
    "fundType": "equity",
    "incomeTaxSlabPercent": 30,
    "expenseRatioEnabled": false,
    "expensePlanType": "regular",
    "expenseRatioPercent": 1.5,
    "volatilityEnabled": false,
    "volatilityPreset": "moderate",
    "monteCarloEnabled": false
  }
}
```

## How this is calculated

A composite SIP planning tool combining a frequency- and step-up-aware maturity projection with optional inflation adjustment, FIFO per-installment post-tax capital gains, a return sensitivity grid, a volatility/Monte Carlo return range, cost of delay, and expense ratio drag.

**Formula:** `balance_y = balance_(y-1) x (1+i)^n + [P x (1+s)^(y-1)] x [((1+i)^n-1)/i] x (1+i), with n instalments/year for the chosen frequency; real value = nominal / (1+inflation)^years; each instalment k taxed on its own gain (amount x (1+i)^periodsRemaining - amount) based on its own holding period`

**Variables:**

- `P`: Instalment amount per period, in INR
- `s`: Annual step-up rate (annual step-up percentage / 100), 0 if step-up is off
- `i`: Period rate of return (annual return rate / instalments-per-year / 100)
- `n`: Instalments per year for the chosen frequency (12 monthly, 4 quarterly, 52 weekly)
- `y`: Year number (1-indexed)

Reference: Core SIP math validated against Groww and ET Money SIP/step-up-SIP calculators; capital gains rules per the FY 2025-26 equity/debt capital gains regime (post-Budget 2024 amendment).

## Assumptions

- Each instalment is invested at the start of its period (annuity-due), and step-up is applied once a year, at the start of the year, not mid-year.
- Inflation, tax, and expense-ratio figures use the rates shown in the inputs, which are editable assumptions, not guarantees.
- Equity-oriented capital gains use the current FY 2025-26 rates (20% STCG under 12 months, 12.5% LTCG at or above 12 months, Rs 1,25,000 LTCG exemption per financial year, no indexation); debt and hybrid funds are taxed entirely at the entered income tax slab rate.
- The Monte Carlo simulation draws each simulated year's return from a normal distribution around the expected return and the selected volatility spread; it is a simplified model, not a guarantee of actual market behaviour.

## Frequently asked questions

### Why show the corpus in today's rupees at all?

A large nominal number 10 years from now buys less than the same number today, because prices rise. Discounting the maturity value back by the assumed inflation rate tells you what that corpus can actually buy in today's terms, which is a more honest way to judge whether a goal like a child's education or a house down payment is actually funded.