Inflation Calculator
See how inflation erodes the purchasing power of your money over time.
Cost in 20 Years
₹32.07 L
₹10.00 L today at 6% inflation
Today's Value
₹10.00 L
Future Value
₹32.07 L
Purchasing Power
₹3.12 L
Cost Increase
221%
Cost Projection
Year-wise Breakdown
| Year | Increase | Future Cost |
|---|---|---|
| Yr 1 | ₹60.00 K | ₹10.60 L |
| Yr 2 | ₹1.24 L | ₹11.24 L |
| Yr 3 | ₹1.91 L | ₹11.91 L |
| Yr 4 | ₹2.62 L | ₹12.62 L |
| Yr 5 | ₹3.38 L | ₹13.38 L |
| Yr 6 | ₹4.19 L | ₹14.19 L |
| Yr 7 | ₹5.04 L | ₹15.04 L |
| Yr 8 | ₹5.94 L | ₹15.94 L |
| Yr 9 | ₹6.89 L | ₹16.89 L |
| Yr 10 | ₹7.91 L | ₹17.91 L |
| Yr 11 | ₹8.98 L | ₹18.98 L |
| Yr 12 | ₹10.12 L | ₹20.12 L |
| Yr 13 | ₹11.33 L | ₹21.33 L |
| Yr 14 | ₹12.61 L | ₹22.61 L |
| Yr 15 | ₹13.97 L | ₹23.97 L |
| Yr 16 | ₹15.40 L | ₹25.40 L |
| Yr 17 | ₹16.93 L | ₹26.93 L |
| Yr 18 | ₹18.54 L | ₹28.54 L |
| Yr 19 | ₹20.26 L | ₹30.26 L |
| Yr 20 | ₹22.07 L | ₹32.07 L |
Inflation Calculator visual insights
Future value
₹50.46 L
Growth
₹32.46 L
How to Use This Calculator
Enter Amount
Set your loan amount or investment using the slider or input field.
Set Rate & Tenure
Adjust the interest rate and time period to match your scenario.
Get Results
See your EMI, total interest, and full payment breakdown instantly.
Share & Plan
Share the result link or download the amortization schedule as PDF.
About Inflation Calculator
Inflation Calculator helps you estimate investment growth, required contribution, annualised return, and future corpus using India-focused assumptions and INR formatting. See how inflation erodes the purchasing power of your money over time.
This tool is useful for Indian investors planning SIPs, mutual funds, deposits, inflation-adjusted goals, and portfolio returns. It is designed for quick planning before comparing bank offers, investment options, tax choices, or scheme rules with a qualified professional.
The calculations are tailored for users in India and use Indian number formatting, rupee values, and locally relevant finance terms wherever applicable.
Results are estimates for education and planning. Final decisions should use official documents, lender statements, scheme rules, tax notices, or advice from a qualified professional.
Frequently Asked Questions
What is the average inflation rate in India?
India's long-term CPI inflation has averaged 5-6% p.a. over the last two decades. RBI targets 4% inflation (±2%) as per its monetary policy mandate. Use 6% as a planning assumption unless you have specific reasons to choose otherwise.
How does inflation affect my savings?
Inflation erodes purchasing power — ₹10 lakh today at 6% inflation will feel like just ₹5.58 lakh after 10 years and ₹3.12 lakh after 20 years. Your returns must exceed inflation to build real wealth.
What is the "real rate of return"?
Real rate = (1 + nominal) / (1 + inflation) − 1. If your FD earns 7% and inflation is 6%, your real return is only 0.94% — barely keeping up. Equity with 12% returns at 6% inflation gives a 5.66% real return.
How much will ₹1 crore be worth in 20 years?
At 6% inflation, ₹1 crore today will have the purchasing power of only ~₹31 lakh in 20 years. To maintain today's lifestyle you would need ~₹3.2 crore in 20 years — that's why retirement corpus planning must be inflation-adjusted.
Which Indian investments beat inflation?
Historically, equity mutual funds (12-14% CAGR), direct equity, and real estate in growing cities have beaten 6% inflation comfortably. Gold keeps pace long-term. FDs (7%) and savings accounts (3-4%) usually fail to beat inflation after tax.
Related Calculators
Methodology & Formulas
All formulas used here comply with RBI guidelines and standard Indian financial conventions. Calculators are updated for FY 2026–27.
Last updated: April 2026