Inflation calculator India

Default result

At 6% inflation, something costing ₹1.00 L today will cost about ₹2.40 L in 15 years, and ₹1.00 L kept as cash will buy only what ₹41,727 buys today.

Year-wise table

Computed from the same engine as the calculator above, using the default inputs. Figures are illustrations, not guarantees.

How to use this calculator

1. Enter an amount in today’s rupees.
2. Choose an inflation rate and number of years.
3. Read future cost and the eroded purchasing power of cash.

Formula and worked example

Future cost = amount × (1 + inflation)^years. Future value of today’s money = amount ÷ (1 + inflation)^years.

Future cost = amount × (1 + i)^years
Value of today’s money = amount ÷ (1 + i)^years

Worked example. ₹1,00,000 · 6% · 15 years → costs ₹2,39,656 in future; ₹1,00,000 kept as cash then buys what ₹41,727 buys today.

Examples

Common Indian retail queries. Outputs are generated from lib/finance.js at build time.

Assumptions and limits

• Constant inflation rate.
• Default 6% is a general CPI-style illustration; education and healthcare often need higher rates.
• No investment return is applied on this page—only price change.
• Rate used here: 6% (illustration, confirm whether your goal needs a higher inflation assumption).

Results are illustrations. Actual outcomes depend on markets, interest rates, taxes and charges, none of which are guaranteed.

Value of money calculator

Money loses purchasing power when prices rise. At 6% inflation, ₹1 lakh today costs about ₹2.40 lakh in 15 years, while ₹1 lakh left idle buys only what ₹41,727 buys now. That is why long goals need growth assets after tax and inflation, not only savings accounts. Use a higher rate for college or medical goals that historically outran CPI. Write the inflation inputs you trust into your annual review note so next year’s rerun of “Value of money calculator” starts from recorded figures.

Future value calculator

Here “future value” means future cost of the same basket, not an investment maturity. Enter today’s price, inflation and years. The ₹1 lakh / 6% / 15y case becomes roughly ₹2.40 lakh. Pair this with a SIP goal calculator so contributions target the inflated number. Confusing investment FV with inflation FV is a common planning error—keep the vocab separate. When household opinions differ on risk for inflation under “Future value calculator”, fund the more conservative case first and treat any extra debit as optional top-ups.

Money valuation calculator

Valuing money across time is two mirrors: what things will cost, and what cash will buy. This page shows both. Idle ₹1 lakh shrinks to about ₹41,727 of today’s power after 15 years at 6%. That does not mean the bank balance falls; prices rose around it. Speak in real terms when debating whether a raise beat inflation last year. If the inflation instalment for “Money valuation calculator” looks unaffordable, cut the target or add years before you inflate the assumed return unrealistically.

Purchasing power calculator

Purchasing power is the quiet metric behind every retirement and education chat. The defaults erode ₹1 lakh to roughly ₹41,727 of today’s goods in 15 years at 6% inflation. If your household inflation feels closer to 8%, rerun—small rate gaps compound into large lifestyle gaps. Then ask which investments historically cleared that bar after tax. After you accept the “Purchasing power calculator” maths, update nominees and the bank mandate—process gaps undo an otherwise sound inflation plan. Recalculate the “Purchasing power calculator” path after a job change, new loan or family addition rather than relying on last year’s inflation screenshot.

Frequently asked questions