Finance
Inflation Calculator
Inflation is the silent thief of long-term plans. Enter today's amount, an inflation rate, and a horizon to see exactly how much you'll need in the future to buy the same things — and how much purchasing power you'd lose holding cash.
₹1,00,000
₹
What this expense or amount costs today.
6%/yr
%/yr
India long-term avg ≈ 6%.
20yrs
yrs
Future cost
₹3,20,714
₹1,00,000 today will need ₹3,20,714 in 20 years to buy the same things.
Purchasing power lost
₹2,20,714
Inflation rate
6% / year
At 6% inflation, prices double roughly every 12 years — which is why parking large sums in low-yield savings loses real money over time.
Today's amount (no inflation)Equivalent future cost
Peak: ₹3,20,714
Methodology
How we calculate this
Future cost
Future = Today × (1 + i)^n
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Frequently asked
- What inflation rate should I use?
- Long-term India inflation is ~6%. For lifestyle expenses (eating out, travel, services) plan for 7–8%; medical inflation is closer to 10–12%.
- Why does this matter for my SIP?
- Your goal amount is in tomorrow's rupees. A ₹1 crore retirement target today needs to be inflated to your retirement year before computing the required SIP.
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