- Current cost
- Increase
- Cost after inflation
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- Increase in cost
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- What today's money buys then
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Figures are estimates for planning only, not investment or tax advice.
Inflation is the reason a plan built on today’s prices falls short. This calculator shows what something that costs a given amount today will cost after a number of years, and what today’s money will actually buy by then.
The formula
Future cost = Present cost × (1 + inflation)years. At 6% inflation, a ₹1,00,000 expense becomes about ₹1,79,000 in 10 years and ₹3,21,000 in 20. Put the other way, ₹1,00,000 kept in cash buys ₹55,800 worth of goods after 10 years.
Why it matters for every other calculator
A 7% fixed deposit against 6% inflation is a 1% real return before tax — and after tax at 30%, it is a loss. Any long-term goal should be set in future rupees, which is what this calculator produces.
Frequently asked questions
What inflation rate should I use?
India’s CPI inflation has mostly run between 4% and 7%. Education and healthcare costs have risen faster — 8% to 10% is a safer assumption for those.
Is my personal inflation the same as CPI?
Rarely. CPI is a national basket. If most of your spending is rent, school fees and medical care, your own rate is higher.
How do I beat inflation?
Over long periods, equity and real assets have outpaced it; cash and low-yielding deposits have not.
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