Inflation Calculator
See how inflation raises future costs and erodes the value of today's money.
What costs ₹1,00,000 today will cost in 10 years:
₹1,79,085
That's ₹79,085 more due to inflation.
₹1,00,000 kept as cash will be worth (in today's terms) after 10 years:
₹55,839
A loss of ₹44,161 in purchasing power — why cash needs to be invested.
How the Inflation Calculator works
Inflation is the gradual rise in prices that reduces what your money can buy. This calculator shows two things: how much a purchase costing a certain amount today will cost in the future, and how much today's money will actually be worth (in today's terms) after years of inflation.
It's a reminder that money left idle as cash loses value — one reason to invest above the inflation rate.
Inflation impact
Future cost = Amount × (1 + r)^n · Future value of money = Amount ÷ (1 + r)^n
r = inflation rate, n = years.
Frequently asked questions
What inflation rate should I use for India?+
India's long-term retail inflation has often hovered around 5–7%. Many people plan with ~6%, but use a figure that matches your expenses.
Why does inflation matter for my savings?+
If your savings earn less than inflation, you lose purchasing power over time even though the rupee amount grows. Investments should aim to beat inflation.
How do I protect against inflation?+
By investing in assets that historically outpace inflation (like equity mutual funds) rather than holding everything as cash or low-interest deposits.