Inflation Calculator

Inflation is the steady rise in prices that makes each rupee buy a little less every year. Over long periods the effect is large: at 6% a year, prices nearly double in 12 years.

What do you want to know?
An assumption. Many people plan with 5% to 7% for long periods.
Results update as you type.

What costs ₹1,00,000 today will cost

₹1,79,085

in 10 years, about 1.79 lakh

Rise in prices
79.08%over 10 years
Buying power lost
44.16%each rupee is worth about 56 paise of today’s money
Year by year
Year by year
YearCost of today’s ₹1,00,000Value of ₹1,00,000 in today’s money
1₹1,06,000₹94,340
2₹1,12,360₹89,000
3₹1,19,102₹83,962
4₹1,26,248₹79,209
5₹1,33,823₹74,726
6₹1,41,852₹70,496
7₹1,50,363₹66,506
8₹1,59,385₹62,741
9₹1,68,948₹59,190
10₹1,79,085₹55,839

About this calculator

Use this calculator two ways. “Future cost” shows what something that costs a given amount today will cost later, which is useful for planning education, a wedding or retirement. “Future money’s worth” shows what an amount you will receive later can buy in today’s prices.

How to use it

  1. Choose what you want to find.
  2. Enter the amount.
  3. Enter an inflation rate to assume and the number of years.
  4. Read the result and the year-by-year table.

The formula

Future cost = amount × (1 + i)n Value in today’s money = amount ÷ (1 + i)n
i
the yearly inflation rate as a decimal (6% = 0.06)
n
the number of years

Worked example

₹1 lakh over 10 years at 6% inflation

  1. Future cost: 1,00,000 × 1.0610 = 1,00,000 × 1.79085 = ₹1,79,085.
  2. Future money’s worth: ₹1 lakh received in 10 years buys what ₹55,839 buys today.
  3. In other words, each rupee loses about 44% of its buying power over those 10 years.

What the result means

When you plan for a future goal, multiply today’s cost by inflation to find the target, then plan savings to reach that larger figure.

An investment only grows your real wealth if its return after tax is higher than inflation. A deposit paying 7% when prices rise 6% grows your buying power by only about 1% a year before tax.

Assumptions

  • Inflation stays at the same rate every year.
  • The same rate applies to the item you are planning for.

Limitations

  • Real inflation changes from year to year, and some costs, such as education and healthcare, often rise faster than the general rate.
  • This calculator uses a rate you choose; it does not use official price index data.

Frequently asked questions

What inflation rate should I assume?

For long-term planning in India, many people use 5% to 7%. For education or medical costs, a higher rate is often safer.

How long does it take for prices to double?

Divide 72 by the inflation rate. At 6% prices double in about 12 years; at 4%, about 18.

How does inflation affect my savings?

If your savings earn less than inflation after tax, their buying power shrinks even though the rupee amount grows.

For information only. This calculator gives estimates based on the figures you enter and the assumptions listed above. It is not financial advice. Actual amounts depend on the lender’s or institution’s terms, fees, rounding and rate changes. Please confirm with them before you decide.

Last reviewed on 1 October 2026. Found a mistake? Tell us.