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Inflation Calculator

Inflation is the silent tax on idle money. See what things will cost later — and what today's money shrinks to.

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₹
%
yrs
Future cost of the same thing
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What today's amount will be worth—
Purchasing power lost—

Illustrative projection using the assumptions you entered. Market returns are not guaranteed; actual results will differ. This is an educational tool, not financial advice.

How the cost rises, year by year

How it works

Inflation means the same basket of goods costs more every year. At 6% inflation, prices roughly double every 12 years — so a goal that costs ₹10 lakh today will need about ₹17.9 lakh in 10 years and ₹32 lakh in 20 years.

Future cost = Today's cost × (1 + inflation)years

The second figure is the mirror image: money kept idle — in a drawer or a low-interest account — loses purchasing power at the same rate. ₹1 lakh today will buy only about ₹56,000 worth of goods in 10 years at 6% inflation. This is why "safe" cash is not actually safe over long periods: its value is guaranteed to shrink.

Use this calculator before setting any long-term goal amount — a child's education, a house, retirement. First inflate the cost to the year you will actually spend the money, then plan investments (use our Goal Planner) that target the inflated figure, not today's price.

Frequently asked questions

Long-term consumer inflation (CPI) in India has averaged roughly 5–6%. Specific goals inflate faster — education and healthcare costs have historically risen 8–12% a year — so use a higher rate for those.
Divide 72 by the inflation rate: at 6%, prices double about every 12 years; at 8%, every 9 years. This 'Rule of 72' works for investment growth too.
Yes. If your savings account pays 3% while inflation is 6%, your money loses about 3% of purchasing power every year even though the balance grows. Beating inflation after tax is the first job of any long-term investment.

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