Financial Calculators
Inflation Calculator
The most important calculator nobody uses. See what inflation quietly does to costs and to idle money.
Cost after 20 years
₹1,60,357
what ₹50,000 buys today will cost this much
- Amount today
- ₹50,000
- What today's ₹50,000 will be worth
- ₹15,590
Two sides of the same coin: the same expense costs more in future, and idle money buys less. Money for long-term goals must grow faster than inflation.
The silent arithmetic of rising prices
Inflation never sends a bill, which is why it wins. At 6% a year, prices roughly double every twelve years: the household that needs Rs 50,000 a month today will need more than Rs 1.6 lakh for the same life twenty years on. The same force runs in reverse on idle money, shrinking what every saved rupee can buy.
This calculator shows both directions at once, and the conclusion writes itself: money for long-term goals must be invested to grow faster than inflation, or the goal inflates away faster than the savings.
How the calculation works
Future cost = amount x (1 + inflation)^years\nPurchasing power = amount / (1 + inflation)^yearsWorked example: Rs 50,000 of monthly expenses at 6% inflation becomes about Rs 1,60,357 in 20 years, while Rs 50,000 kept idle for those 20 years buys only what about Rs 15,590 buys today.
Frequently asked questions
What inflation rate should I use?
6% is a reasonable long-term base for general expenses in India. Use higher rates for categories that inflate faster, notably education and healthcare.
Are fixed deposits protection against inflation?
Only partially, and often not at all after tax. A post-tax FD return below inflation is a guaranteed loss of purchasing power, just an invisible one.
How do I actually beat inflation?
With growth assets held long enough for their volatility to resolve: equity mutual funds through SIPs are the standard tool. Every goal number in a proper plan is an inflation-adjusted number.
Is this projection exact?
It is exact for the rate you enter; actual inflation varies year to year. The direction and rough magnitude are what matter for planning.
Inflation is the benchmark. Beat it.
Every plan we build prices goals in future rupees and invests to outrun them.