Inflation Calculator
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Quick Summary
- See what today's expenses will cost in the future, or what your savings will really be worth after inflation eats into them. Free calculator.
- For example, ₹1,00,000 today, 7% inflation, 10 years works out to ≈ ₹1.97 lakh (roughly double).
- Built for anyone budgeting for a future expense or goal who needs to account for rising prices
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Purchasing Power Lost
0%Future Cost of This Expense
Increase
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₹100 Today Will Feel Like
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Typical India Inflation Reference Points
How the Inflation Calculator Works
You enter today's cost of something and an assumed annual inflation rate, and the calculator projects what that same cost will be after your chosen number of years — or works in reverse, showing what a future rupee is worth in today's purchasing power.
Example Scenarios
| Scenario | Result |
|---|---|
| ₹1,00,000 today, 7% inflation, 10 years | ≈ ₹1.97 lakh (roughly double) |
| ₹50,000/month expenses, 7% inflation, 20 years | ≈ ₹1.93 lakh/month in 20 years |
| ₹10 lakh education goal today, 10% inflation, 15 years | ≈ ₹41.8 lakh by the time you need it |
* Illustrative estimates assuming constant annual returns. Actual results vary with market conditions.
Frequently Asked Questions
Future cost = Current cost × (1 + inflation rate)^number of years. For example, ₹1 lakh today at 7% inflation for 10 years becomes roughly ₹1.97 lakh — the same goods and services will cost about twice as much.
India's general (CPI) inflation has typically run 5-7% per year, but education and healthcare costs have historically risen faster, often 10-12% per year — use category-specific rates when planning for those goals rather than the general CPI figure.
Inflation erodes purchasing power — money sitting idle or in low-return instruments loses real value every year. If your investment return is lower than the inflation rate, your money grows in rupee terms but shrinks in what it can actually buy, which is why long-term goals need returns that meaningfully beat inflation.
Common Mistakes to Avoid
- Using the general CPI rate for goals like education or healthcare, which have historically inflated faster (10-12%).
- Forgetting to apply inflation to long-term goals at all, leading to significant under-saving.
- Assuming a single flat inflation rate holds true for 20-30 years without any planning buffer.
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* Calculations assume constant annual returns. Actual mutual fund returns vary. Past performance is not indicative of future results. FD comparison uses 7% p.a. SIP returns are compounded monthly.
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