Inflation Calculator
Inflation compounds against you. See what your money will actually be worth. Free, private, no signup.
What inflation does to money
In 20 years
₹1,00,000 will buy what costs-
...and will feel like only-
Inflation is a reverse investment
Inflation compounds exactly like interest — but against you. At 6%, prices double roughly every 12 years (the rule of 72: 72 ÷ 6 = 12). Your salary, your savings target and your retirement corpus all need to beat it.
- 6% doesn't sound like much. ₹1 lakh today costs ₹3.2 lakh in 20 years. A "₹1 crore retirement" in 2046 buys what ₹31 lakh buys today.
- Your return minus inflation = reality. An 8% FD at 6% inflation earns 2% in real terms — before tax. After 30% tax on the interest, you're barely standing still.
- This is why equity exists. Beating inflation comfortably over decades is the entire job of long-term investing — safety that guarantees losing purchasing power isn't safe.
FAQs
What inflation rate should I use?
India's CPI has averaged ~5–6% over the last decade. Use 6% for general planning; use higher for education (~10%) and healthcare (~14%).
What is the rule of 72?
Divide 72 by the rate to get doubling time: prices double in ~12 years at 6% inflation; money doubles in ~6 years at 12% returns. A mental-math shortcut, not a precise formula.
Does inflation affect my loans?
In your favour, mildly: you repay EMIs with future rupees that are worth less. That's one reason long-term fixed-rate debt can be reasonable during inflationary periods.
Is my data sent anywhere?
No. Everything is computed in your browser; nothing leaves your device.
Disclaimer: Estimates for illustration, computed in your browser — no data leaves your device. Actual inflation varies by category and year.