Inflation Calculator
See how inflation erodes your money’s value over time — and plan savings that beat it.
At 6% inflation, ₹1 lakh today buys what ₹1.79 lakh will buy in 10 years — or equivalently, ₹1 lakh kept idle will feel like ₹55,800. Any savings earning less than inflation are quietly shrinking. That’s why ‘safe’ 4% savings accounts lose money in real terms.
How to use the inflation calculator
- Enter an amount in today’s rupees.
- Set the inflation rate and years.
- See what it will cost in future — or what it’s worth today.
Inflation Calculator — FAQs
What is a realistic inflation rate for India?
CPI inflation has averaged roughly 5–6% over the last decade. Use 6% for conservative long-term planning.
How does inflation affect my savings?
Money earning less than inflation loses purchasing power. At 6% inflation, a 4% savings account gives you −2% real return.
What beats inflation reliably?
Over long periods: equities (~11–13%), PPF (7.1% tax-free), and EPF (8.25% tax-free). Nothing beats it with zero risk and zero lock-in.
Is inflation the same for everyone?
No — your personal inflation depends on what you buy. Education and healthcare have risen faster than headline CPI for years.
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