Inflation Calculator
Understand how inflation erodes the purchasing power of your money.
Future Value
₹ 160,357
To maintain the same lifestyle, you will need this amount in 20 years.
Inflation is the silent killer of wealth. It reduces the purchasing power of your money over time. ₹1 Lakh today will not buy the same amount of goods 10 years from now.
🔥 The Rule of 72
At 6% inflation, your money loses half its value every 12 years. If you keep cash in a savings account (3%), you are actually becoming poorer every year.
Retirement Planning Reality Check
If your monthly expense is ₹50,000 today, at 6% inflation, you will need ₹1.6 Lakhs/month after 20 years just to maintain the same lifestyle. Plan your corpus accordingly.
Frequently Asked Questions
What is the average inflation rate in India?
Long-term consumer price inflation (CPI) in India averages around 5.5% to 6.0%. Education and Healthcare inflation is often higher at 8-10%.
How to beat inflation?
Invest in assets that grow faster than 6%—Equity Mutual Funds, Real Estate, and Gold (as a hedge). FDs often fail to beat inflation post-tax.
Does inflation affect loans?
Yes, positively for borrowers. Inflation erodes the value of money, so the EMI you pay in the future is 'cheaper' in real terms compared to today.
What is Hyperinflation?
It is extremely rapid inflation (e.g., >50% per month) that renders currency worthless. India has historically maintained stable inflation control.
How often does inflation change?
Inflation data is released monthly by the government based on the CPI (Consumer Price Index) basket of goods.