Inflation Calculator
See how inflation erodes the value of money in India. Free inflation calculator with future cost, present day worth and total erosion over any period.
உங்கள் முடிவைக் கணக்கிடுங்கள்
உங்கள் எண்களை உள்ளிடுங்கள். மாற்றும்போது மதிப்பீடும் வரைபடங்களும் புதுப்பிக்கும்.
உள்ளீடுகள்
- 20 ஆண்டுகளில் எதிர்கால செலவு
- ₹3,20,714
- ₹3.21L
- அப்போதைய இன்றைய வாங்கும் சக்தி
- ₹31,180
- 68.8% இழக்கிறது
- தேய்மானம்
- ₹68,820
உங்கள் கணக்குகள் சொல்வது என்ன
At 6.0% inflation, prices double about every 11.9 years.
Rule of 72 shortcut: 72 ÷ 6 ≈ 12.0 years — idle cash loses half its buying power in that time.
Idle cash loses about ₹5,660 of buying power in the first year alone.
Your savings need to earn more than 6.0% a year after tax just to stand still.
If inflation runs 1% higher (7.0%), you'd need ₹66.25K more.
Small changes compound over 20 years — the same things would cost ₹3.87L, so plan with a little cushion.
பணவீக்க வளைவு
Future cost, இன்றைய தொகை ஒப்பீடு. தொகைகள் ரூபாயில்.
வரைபடத் தரவைக் காண்க
| ஆண்டு | இன்றைய தொகை | Future cost |
|---|---|---|
| 0 | ₹1,00,000 | ₹1,00,000 |
| 1 | ₹1,00,000 | ₹1,06,000 |
| 2 | ₹1,00,000 | ₹1,12,360 |
| 3 | ₹1,00,000 | ₹1,19,102 |
| 4 | ₹1,00,000 | ₹1,26,248 |
| 5 | ₹1,00,000 | ₹1,33,823 |
| 6 | ₹1,00,000 | ₹1,41,852 |
| 7 | ₹1,00,000 | ₹1,50,363 |
| 8 | ₹1,00,000 | ₹1,59,385 |
| 9 | ₹1,00,000 | ₹1,68,948 |
| 10 | ₹1,00,000 | ₹1,79,085 |
| 11 | ₹1,00,000 | ₹1,89,830 |
| 12 | ₹1,00,000 | ₹2,01,220 |
| 13 | ₹1,00,000 | ₹2,13,293 |
| 14 | ₹1,00,000 | ₹2,26,090 |
| 15 | ₹1,00,000 | ₹2,39,656 |
| 16 | ₹1,00,000 | ₹2,54,035 |
| 17 | ₹1,00,000 | ₹2,69,277 |
| 18 | ₹1,00,000 | ₹2,85,434 |
| 19 | ₹1,00,000 | ₹3,02,560 |
| 20 | ₹1,00,000 | ₹3,20,714 |
உங்கள் கணக்கீட்டைப் புரிந்துகொள்ளுங்கள்
Inflation is the steady increase in the cost of goods and services over time. In India, headline consumer inflation has averaged roughly 6 percent over the last two decades, with healthcare and education climbing faster. The inflation calculator on this page tells you how much a current expense will cost in any future year, and how much purchasing power a future amount will hold in today's rupees. Both directions matter for retirement, education and lifestyle planning.
Inflation Calculator ஏன் பயன்படுத்த வேண்டும்
Most people understate inflation because they think in nominal rupees. A retirement plan that aims for ₹1 crore feels safe today. In 25 years at 6 percent inflation, ₹1 crore has the purchasing power of roughly ₹23 lakh today. The same lifestyle that costs ₹50,000 a month today will cost more than ₹2 lakh a month in 25 years. The inflation calculator turns these abstract numbers into concrete projections so you can size your savings to a future cost rather than a present one.
Inflation Calculator ஐ எவ்வாறு பயன்படுத்துவது
- 1
Enter the amount today
What an expense, a goal or a future amount is in today's rupees. ₹50,000 monthly expenses, ₹1 crore retirement target, ₹25 lakh for a child's college, anything that has a current price tag.
- 2
Set the expected inflation rate
Six percent matches India's long run consumer inflation average. Use seven to eight percent for healthcare and education heavy goals. Use four to five percent for commodity heavy expenses.
- 3
Choose the number of years
Twenty five years for a retirement target. Fifteen to eighteen years for a child's higher education. Ten years for a house down payment. The longer the horizon, the larger the inflation impact.
- 4
Read both numbers
The future cost is what you will need to pay then. The present day worth is what a future amount is worth today. Use whichever frame fits your planning question.
உதாரணம்
₹50,000 a month of expenses, 20 years out
At 6% inflation, prices grow by a factor of 1.06^20 ≈ 3.207 over 20 years. So a ₹50,000 monthly budget becomes ₹50,000 × 3.207 = ₹1,60,357 a month for the same lifestyle. Run it the other way and ₹50,000 received 20 years from now buys only what ₹50,000 ÷ 3.207 = ₹15,590 buys today, an erosion of ₹34,410.
- Amount today
- ₹50,000
- Inflation
- 6% a year
- Years
- 20
- Future cost of the same spending
- ₹1,60,357
- Today's value of ₹50,000 received then
- ₹15,590
- Purchasing power lost
- ₹34,410
A retirement plan built around today's ₹50,000 budget would cover less than a third of the same lifestyle in 20 years. Size goals in future rupees.
எவ்வாறு கணக்கிடப்படுகிறது
Future cost uses future cost = amount × (1 + inflation)^years. Today's purchasing power of the same amount received in the future is the reverse: amount ÷ (1 + inflation)^years. Total erosion is amount − today's purchasing power.
Inflation compounds once a year. Fractional years are allowed, so 7.5 years uses (1 + inflation)^7.5, and the chart adds a final point at that exact duration after the whole-year points.
The rate stays constant for the whole period. Real prices move unevenly from year to year, and categories like healthcare and education can run well ahead of headline CPI, so test a higher rate for those goals.
அடிக்கடி கேட்கப்படும் கேள்விகள்
What inflation rate should I use for India?
Headline Consumer Price Index (CPI) inflation in India has averaged roughly 6 percent over the last 20 years and the RBI targets 4 percent with a 2 percent band. For long term financial planning, 6 percent is a reasonable default. For specific high inflation categories like healthcare (often 8 percent) and private education (often 10 percent), use the category specific rate.
Why does inflation matter so much for retirement planning?
Retirement is typically a 25 to 35 year horizon. At 6 percent inflation, expenses roughly double every 12 years. A monthly budget of ₹50,000 today becomes ₹1 lakh in 12 years, ₹2 lakh in 24 years and ₹4 lakh in 36 years. A retirement corpus that ignores this is dramatically underfunded by the time the second decade of retirement arrives.
How is inflation different from interest rates?
Interest rates measure investment growth; inflation measures price growth. Exact real return is (1 + nominal return) / (1 + inflation) - 1. A 6.5 percent return with 6 percent inflation is about 0.472 percent real return, before tax. The calculator applies annual inflation to the exact duration, including fractional years.
What is the rule of 72 for inflation?
The rule of 72 is a quick mental approximation. Divide 72 by the inflation rate to get the number of years for prices to double. At 6 percent inflation, prices double every 12 years. At 8 percent, every 9 years. The calculator gives the exact answer but the rule of 72 is useful for back of the envelope planning.
Should I use inflation in my SIP or goal calculations?
Yes, always for long term goals. The goal SIP calculator on this site has an inflation field for exactly this reason. A retirement target of ₹1 crore today is a target of roughly ₹3.2 crore in 20 years. Plan for the inflated number, not the present day number.
Does inflation apply equally to every asset?
No. Different assets respond to inflation differently. Equity, real estate, gold and fixed-income products can all lag or beat inflation over different periods. The asset mix you choose determines whether your wealth grows in real terms or just in nominal terms.
Has Indian inflation been higher or lower than 6 percent recently?
It moves around from year to year with food and fuel prices, so check the latest CPI release from the National Statistics Office before you pick a short-term rate. The RBI's formal target is 4 percent with a 2 percent band either side. For very long horizon planning (more than 15 years), 6 percent remains a defensible default, and running a second scenario at 7 or 8 percent shows how sensitive your plan is.