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Prices keep climbing. Is your money keeping up?Inflation calculator: what today’s costs and money may look like later.

Prices go up a little every year, and over many years that adds up. Enter an amount, an inflation rate and a number of years to see what the same things may cost then, and what today’s money may be worth. The result is an illustration at the rate you choose.

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Inflation calculator

Today’s costRise in cost
The same things will cost–
Today’s money will be worth–

Illustration only, at the rates you choose. Check current rates and rules before you decide.

How to use the inflation calculator

  1. Enter an amount in today’s money, like a month’s household expenses or a school fee.
  2. Choose an inflation rate. Try a couple of rates, as costs like education and medical bills often rise faster than others.
  3. Choose the number of years. Then see what the same things may cost, and what today’s amount may be worth.

How to read your result

What it will cost then is what the same things may cost after those years. What today’s amount will be worth shows the other side: if the same rupees sit idle, what they could buy then, in today’s prices.

For example, at 6% inflation, something that costs ₹1,00,000 today may cost about ₹1,79,085 in 10 years. And ₹1,00,000 kept aside for those 10 years could buy only about ₹55,839 worth of what it buys today.

That’s why money for long goals needs to grow faster than prices, even after tax. Compare options in SIP vs FD, or use the goal planner to turn a future cost into a monthly SIP. Mutual fund returns are market-linked, not guaranteed.

How the inflation calculator works

Inflation works like compounding, only against you. Each year’s price rise is added on top of last year’s higher price, so costs grow faster over time. A is the amount today, f is the yearly inflation rate (6% is 0.06), and t is the number of years.

Future cost = A × (1 + f)^t; value of today’s money then = A ÷ (1 + f)^t

FAQ

Common questions

What is an inflation calculator?
An inflation calculator shows how rising prices change the value of money over time: what today’s costs may become, and what today’s money may be worth in the future.
What inflation rate should I use?
There is no single right number. Many people use 5% to 6% for everyday costs, and a higher rate for education and medical costs, which have often risen faster. Try a lower and a higher rate to see a range.
Why does a small rate make such a big difference?
Because it compounds. Each year’s rise sits on top of last year’s higher price. Over 10 or 20 years, even a few percent a year can make things cost a lot more.
How do I protect my savings from inflation?
Look at returns after tax and after inflation, not just the rate. For goals many years away, many families use mutual fund SIPs, which have a chance to beat inflation but no guarantee. Our team can help you plan; see mutual funds and SIP.
Is the result exact?
No. Real inflation changes from year to year and differs with each family’s spending. The calculator uses one steady rate you choose, so treat the result as an illustration.

Keep exploring

See how we helpMutual funds and SIPInvest a fixed amount every month in funds chosen for your goal and risk.Term cover calculatorGet a quick estimate of the life cover your family may need.EMI calculatorSee your monthly EMI and the total interest on a loan.

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