Inflation Calculator
Inflation quietly shrinks what your money buys. Enter an amount to see both sides: what it will cost you in future, and what your money will actually be worth.
Cost in 10 years
₹1,79,085
to buy the same things
What your money will be worth
₹55,839
in today terms
Purchasing power lost
44.2%
Something costing ₹1,00,000 today will cost about ₹1,79,085 in 10 years at 6% inflation. Cash kept under the mattress would lose 44.2% of its buying power.
India CPI inflation has averaged roughly 5 to 6% over the last decade, with education and healthcare running noticeably higher.
How to use
- 1Enter the amount of money you have today.
- 2Set an inflation rate — India's long-run average is around 6%.
- 3Choose how many years ahead you want to look.
- 4Read what that money will actually be worth, and how much purchasing power it loses.
Frequently Asked Questions
What inflation rate should I use?
India's CPI inflation has averaged roughly 5 to 6% over the last decade, and the RBI targets 4% with a 2% band. For education or healthcare planning, use 8 to 10% — those categories consistently rise faster than the headline index.
Why does inflation matter for my investments?
Because only the return above inflation grows your wealth. A fixed deposit paying 7% with inflation at 6% earns you 1% in real terms before tax — and after tax, often less than nothing.
How do I calculate the inflation-adjusted value?
Divide the future amount by (1 + inflation rate)^years. That converts a future rupee figure back into today's purchasing power, which is the only fair way to judge a long-term plan.
Is inflation the same for everyone?
No. The CPI is a national average across a fixed basket. If a large share of your spending goes on school fees, medical care or rent in a metro, your personal inflation is likely well above the published figure.