Inflation Calculator
See what today’s money will cost — and be worth — in the future.
Today's expense or amount
~5–6% general; higher for education/health
₹1.00 L today will cost
₹2.40 L
in 15 years at 6% inflation
Future cost
₹2.40 L
₹2,39,656
Extra needed
₹1.40 L
₹1,39,656
₹1.00 L will be worth
₹41.7 K
₹41,727
How this is calculated
Formula: Future cost = Amount × (1 + inflation)years. Purchasing power is the inverse — how much today's amount will actually buy after inflation erodes it.
India's long-run inflation has averaged ~5–6%; education and healthcare often run 8–10%. Your investments need to beat inflation to grow real wealth.
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Frequently asked questions
How does inflation affect my money?
Inflation raises prices over time, so the same amount buys less in future. ₹1 lakh of expenses today could cost far more in 15 years. We compute the future cost as Amount × (1 + inflation)^years, and the eroded purchasing power as the inverse.
Why does inflation matter for investing?
Your investments need to beat inflation to grow your real wealth. A 6% FD with 6% inflation gives roughly zero real return; equity has historically outpaced inflation over the long term, which is why it features in goal-based plans.
What inflation rate should I use?
India's long-run consumer inflation has averaged roughly 5–6%. Education and healthcare costs often rise faster (8–10%), so use a higher rate when planning those specific goals.
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