What are inflation-adjusted mutual fund returns?

They are real returns from mutual funds after removing the impact of inflation (CPI). Real return ≈ Nominal return − Inflation, shown as real CAGR/XIRR.

How do I calculate real CAGR for a SIP?

Compute SIP XIRR from cashflows, then convert to real by dividing (1+XIRR) by (1+inflation) and subtracting 1. The calculator does this automatically.

Which inflation rate should I use in India—CPI or WPI?

Use CPI (Consumer Price Index) for personal investing as it best reflects household inflation; WPI is producer-price focused.

Are real returns always lower than nominal returns?

Yes, unless inflation is zero or negative. Real return removes inflation, so it is typically lower than the nominal CAGR/XIRR.

Do taxes and expense ratios affect real mutual fund returns?

Yes. Expense ratio is already netted in fund NAV; capital-gains tax is applied on redemption. Real return adjusts the post-tax result for inflation.

Inflation Adjusted Mutual Fund Returns Calculator

Investment Amount

Annual Return Rate (%)

Inflation Rate (%)

Investment Period (Years)

Nominal Value

Nominal Profit

Inflation Impact

Real Value

Real Profit

Real Return Rate

{{ realReturnRate.toFixed(2) }}%

Other Calculators

Income Tax Calculator HRA Calculator Personal Loan EMI Calculator Home Loan EMI Calculator Mutual Fund Calculator GST Calculator Depreciation Calculator SIP Calculator FD Calculator RD Calculator Simple Interest Calculator Compound Interest Calculator TDS Calculator SWP Calculator Car Loan Calculator Bike Loan Calculator Lumpsum Calculator CAGR Calculator Gratuity Calculator NSC Calculator APY Calculator Post Office MIS Calculator Return on Investment Calculator Public Provident Fund Calculator Sukanya Samriddhi Yojana Calculator Pension Calculator NPS Calculator Future Value Calculator Gold Returns Calculator Home Loan Pre-payment Bond Returns Calculator Present Value Calculator Rental Yield Calculator Mutual Fund Trail Commission Calculator Nifty 50 Profit Calculator NPS Vatsalya Calculator Online XIRR Calculator Post Office FD Calculator Post Office vs Mutual Fund Calculator Property Indexation Calculator Reverse CAGR Calculator Average Share Price Calculator Step Up SIP Calculator Inflation Mutual Fund Calculator Inflation Stock Calculator Inflation FD Calculator Inflation Insurance Calculator Inflation Homeowner Calculator Inflation Property Calculator