Planning
Inflation calculator
What today money will cost you in future.
₹
%
years
Would cost
₹25,75,122
about ₹25.75 lakh
23% of that is money you put in.
- Costs today
- ₹6,00,000
- Extra needed
- ₹19,75,122
- That amount in today buying power
- ₹1,39,799
This is arithmetic, not a forecast. The result applies numbers you chose. Real returns vary year to year, can be negative, and are never guaranteed. Unless stated otherwise the figure is before inflation and before tax.
How this calculation works
It compounds an amount forward at the inflation rate you set, and also works backwards to show what a future amount is worth in today buying power.
What it leaves out
It uses one average rate. Your personal inflation depends on what you actually buy, and education and healthcare in India have often risen faster than the headline figure.
Understanding the thing itself matters more than the number: Risk management.
Common questions
Why does inflation matter for investing?
Because it decides whether a return is real. A deposit paying 7% before tax, taxed at 30%, leaves under 5%. Against 6% inflation, that money loses buying power every year while the balance rises.
What inflation rate should I use?
Around 6% is a common planning assumption for India, but use a higher figure if your major future costs are education or healthcare.
Is keeping money in a savings account safe?
It is safe from price movement and not safe from inflation. If your money grows 4% a year while prices rise 6%, you hold more rupees each year and can buy less with them. That is the loss this calculator makes visible.
More on planning
Goal calculator
How much to invest monthly to reach a target amount.
Retirement calculator
How large a corpus your expenses would actually need.