Inflation Calculator
₹1 today is not ₹1 tomorrow. See how inflation erodes purchasing power and plan goals in future-value terms.
Inputs
₹1,00,000
6.00%
20 yrs
Future cost of ₹1,00,000
₹3,20,714
in 20 years
Today's ₹1,00,000 in 20 years
₹31,180
buys this much
Value lost to inflation
₹2,20,714
Frequently asked questions
What inflation rate for India?
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CPI inflation has averaged 5–6% over the past decade. For conservative long-term planning, use 6%. Medical/education inflation runs higher — 8–10%.
How does inflation affect savings?
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Money in a 3% savings account loses real value if inflation is 6%. To beat inflation, real return (nominal return − inflation) must be positive.
What is real vs nominal return?
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Nominal is the headline rate. Real return = (1+nominal)/(1+inflation) − 1. At 12% with 6% inflation, real return ≈ 5.66%. Retirement math should always use real returns.
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