Inflation Calculator
🔒 In your browserFuture cost of money and its lost purchasing power over time.
How it works
See what inflation does to money over time. Enter an amount, an expected inflation rate and a number of years to find both the future cost of something priced at that amount today, and what today's money will be worth then.
Assumes a constant inflation rate. India's long-run retail inflation has averaged roughly 5–6%, but it varies year to year.
🔒 Calculated entirely in your browser — nothing is uploaded.
🔒 Calculated in your browser: your loan, investment and salary figures are never uploaded. Interest, tax and salary structures vary by bank and employer, so treat the result as a close estimate and confirm exact figures with them.
About the Inflation Calculator
This free inflation calculator shows what inflation does to money over time. Enter an amount, an expected inflation rate and a number of years to see both the future cost of something priced at that amount today and how much today's money will be worth then.
It runs in your browser, with no signup.
Two ways to read inflation
Inflation works in both directions. Looking forward, something that costs a certain amount today will cost more later — the future cost. Looking at your savings, a fixed amount of money buys less as prices rise — its purchasing power falls. The calculator shows both: the future price of goods, and the shrinking real value of today's money.
A worked example
Take ₹1,00,000 at 6% inflation over 10 years. Something that costs ₹1,00,000 today would cost about ₹1,79,085 in ten years. Equally, ₹1,00,000 kept idle would be worth only about ₹55,839 in today's purchasing power — a loss of roughly ₹44,000 in real value. This is why money needs to earn at least the inflation rate just to stand still.
Frequently asked questions
How does inflation reduce the value of money?
As prices rise, the same amount buys less. The calculator divides today's amount by (1 + inflation)^years to show its future purchasing power, and multiplies to show future cost.
What inflation rate should I use?
India's long-run retail inflation has averaged roughly 5–6%, but it varies year to year. Use a rate that reflects your own basket of expenses.
Why do I need returns above inflation?
Because money that earns less than inflation loses real value over time. To grow wealth, your investments must return more than the inflation rate after tax.
Does this predict actual prices?
No. It assumes a constant rate for illustration. Real inflation fluctuates, so treat the figures as a guide, not a forecast.
Is my data private?
Yes — everything is calculated in your browser.