Inflation calculator

See what money will cost and buy in the future

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How it works

Inflation means prices rise over time, so money buys less. At 6% a year, something that costs ₹1,00,000 today will cost about ₹1,79,085 in 10 years. Put another way, ₹1,00,000 in 10 years will buy what about ₹55,839 buys today. Enter your own rate to see the effect.

future cost = amount × (1 + rate)^years

Each year, the price grows by the inflation rate. That compounds in the same way as interest.

Buying power is the same sum in reverse: we divide by the growth instead of multiplying.

Worked example. At 6% inflation, what costs ₹1,00,000 today will cost ₹1,79,084.77 in 10 years. Put another way, ₹1,00,000 then buys what ₹55,839.48 buys today.

Examples

Inflation	Time	Future cost of ₹1,00,000	Buying power of ₹1,00,000
4%	10 years	₹1,48,024.43	₹67,556.42
6%	10 years	₹1,79,084.77	₹55,839.48
6%	20 years	₹3,20,713.55	₹31,180.47
8%	20 years	₹4,66,095.71	₹21,454.82

What this tool doesn’t cover

This uses one rate for every year. Real inflation changes.
Prices of different things rise at different speeds.
This is an estimate, not financial advice.

Questions

What inflation rate should I use?

Check the latest figure from your central bank. Use a slightly higher one to be careful.

Can inflation be negative?

Yes. That’s called deflation, and you can enter a negative rate here.

Why does this matter for savings?

If your savings grow slower than prices, they buy less each year.

How does inflation affect my money?

Inflation means the same money buys less over time. At 6% a year, prices roughly double in about 12 years.

What is the difference between nominal and real returns?

A nominal return is the headline rate. A real return takes off inflation, so it shows how much your buying power really grew.

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Built by QuickToolz. Reviewed by Atul Makwana. Last reviewed 2026-11-04.

Sources: Reserve Bank of India (opens in a new tab), SEBI investor education (opens in a new tab)