Your Assumptions
Enter your own expected return and inflation to see what your money earns in real terms.
Breakdown
Real return is what your money earns above rising prices. At 12% nominal and 6% inflation, you keep only 5.66% in real terms. That ₹5,47,357 nominal sum buys only ₹2,28,393 worth of goods at today’s prices — inflation quietly erodes the rest.
AI Insights
DhanRadar AIReal return is what matters for your standard of living. A 12% headline return sounds strong, but with 6% inflation your purchasing power grows at only 5.66% per year — compounding makes that gap large over 15 years.
Inflation is the silent fee on your savings. Your ₹1,00,000 grows to ₹5,47,357 nominally, but that future sum buys only ₹2,28,393 of today's goods. These are your own assumed figures — actual outcomes depend on the investments you choose.
For education only — not investment advice. Returns and inflation are your own assumptions; real markets vary.
Related Calculators
Calculations are estimates for illustration only and assume a constant annual return, which real markets do not provide. DhanRadar is a research & analytics platform, not an investment advisor. Mutual fund investments are subject to market risks.