A Reverse Lumpsum Calculator helps you determine the one-time investment amount (lumpsum) required today to achieve a specific financial goal in the future. It works backwards from your target amount to find the present investment needed.

Inflation reduces the purchasing power of money over time. If you need ₹10 Lakhs today for a goal (like a car or education), in 10 years you will need significantly more to buy the same thing. This calculator adjusts your target amount for inflation to give you a realistic investment target.

The 'Inflated Target Amount' represents the future cost of your goal. For example, if you need ₹50 Lakhs today and inflation is 6%, in 10 years you will actually need about ₹89.5 Lakhs to afford the same lifestyle/asset. The calculator aims for this higher future value.

For equity mutual funds, 10-12% is a common long-term assumption. For debt funds or FDs, 6-8% is more realistic. Always be conservative in your estimates to ensure you meet your goals.