Find out how much lump sum you need today to reach your financial goal by 2050. Adjust returns and inflation to see real, inflation-adjusted outcomes.
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Rebalance periodically
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This tool helps you estimate the future value of a lump sum invested today, based on an assumed annual return and inflation rate. It shows both nominal growth and inflation-adjusted (real) value to help you understand purchasing power in 2050.
Planning for 2050 is useful for long-term goals such as retirement planning for younger investors, funding a legacy, or building a large corpus for future generations. Long horizons reward disciplined investing and proper asset allocation.
The calculator applies the compound interest formula: Final Amount = Principal × (1 + r)^n, where r is the expected annual return (in decimal) and n is the number of years. To estimate real returns, the result is divided by (1 + inflation)^n to show purchasing power in 2050.
Example: If you invest ₹1,00,000 today for 25 years at 10% annual return, the nominal final amount will be ₹1,08,3477 (approx). After adjusting for 6% inflation, the real value will be considerably lower — this helps you decide whether the nominal target meets your real needs in 2050.
Start by defining what you want in 2050: retirement corpus, property purchase, funding a child’s future or building inheritance. Convert that future cost into today's terms using an inflation estimate, then use the calculator backward (altering expected return) to see the lump sum required.
If you already have a target amount in 2050, you can change the calculator approach: set the required final amount and solve for principal. For convenience, this calculator shows what a given lump sum grows to; for reverse calculation you can use a simple algebraic rearrangement or contact our team for a tailored plan.
For long horizons like 2050, consider a diversified portfolio blend of equities, index funds, international exposure, and inflation-protected instruments. Allocate more to growth assets in early years and gradually shift to conservative assets as you near your goal.
Rebalance annually, keep costs low, and avoid frequent trading. Use SIPs (systematic investment plans) for topping up if you cannot invest a large lump sum today — SIPs reduce timing risk and provide rupee-cost averaging benefits.
Economic conditions and your life goals change. Re-run the calculator every 1–2 years, update your expected return and inflation rates, and adjust the principal or plan accordingly. Small changes in return assumptions compound significantly over decades.
If the calculated real value is less than your target, increase your investment, extend the period, or accept a higher risk-return profile (only if you are comfortable with it).
For conservative planning, use a lower expected return (6–8%) and a slightly higher inflation (5–7%). This gives a safety margin and reduces the chance of falling short of your 2050 goals.