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Savings & investing
Inflation Calculator
See what inflation does to money over time — both how much more something will cost, and how much less today's rupees will be worth. Enter an amount, an inflation rate and the number of years.
Inputs
₹
Future cost—
Purchasing power of today's amount—
Value lost to inflation—
Price multiple—
Year-by-year
All amounts in ₹.
| Year | Future cost | Purchasing power |
|---|
How it's calculated
Future cost grows the amount by the inflation rate each year, so it compounds just like interest. Purchasing power does the reverse — it divides by the same factor to show what today's money would be worth in real terms later. The gap between the two is what inflation quietly takes.
Future cost = amount × (1 + inflation)^years. Purchasing power = amount ÷ (1 + inflation)^years.
Frequently asked questions
What inflation rate should I use?
India's long-run retail inflation has often sat around 5–7%; use a rate that fits your spending, since education and healthcare inflate faster.
How do I beat inflation?
Invest in assets expected to return more than inflation; keeping large idle cash steadily loses real value.
Real vs nominal return?
Real return is roughly your investment return minus inflation — that's what actually grows your buying power.