Inflation calculator
Prices rise a little every year, so the same rupee buys less later. Pick a question below and see the effect of an inflation rate you choose.
What will something that costs this much today cost after some years?
Your assumption. Try a few rates to see the range.
- Cost after 10 years
- ₹1,79,084.77₹1.8 lakh
- Increase over today's cost
- ₹79,084.77
| Year | Cost | Amount entered |
|---|---|---|
| 1 | ₹1,06,000 | ₹1,00,000 |
| 2 | ₹1,12,360 | ₹1,00,000 |
| 3 | ₹1,19,102 | ₹1,00,000 |
| 4 | ₹1,26,248 | ₹1,00,000 |
| 5 | ₹1,33,823 | ₹1,00,000 |
| 6 | ₹1,41,852 | ₹1,00,000 |
| 7 | ₹1,50,363 | ₹1,00,000 |
| 8 | ₹1,59,385 | ₹1,00,000 |
| 9 | ₹1,68,948 | ₹1,00,000 |
| 10 | ₹1,79,085 | ₹1,00,000 |
Estimates for illustration only, based on the numbers you enter. Your bank or lender may calculate differently. This is not financial, tax or legal advice.
Inflation is not the same every year or for every item. The result depends entirely on the rate you enter.
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Join the betaHow it's calculated
Future cost = Today's cost × (1 + inflation rate ÷ 100)^years.
Worth in today's money = Future amount ÷ (1 + inflation rate ÷ 100)^years.
Real return = ((1 + return ÷ 100) ÷ (1 + inflation ÷ 100) − 1) × 100. Simply subtracting inflation from the return gives a close but slightly higher figure.
Inflation is applied once a year at the same rate every year. All sums are exact; amounts are rounded to the paisa only at the end.
Questions
What inflation rate should I use?
It is your assumption. You can look at recent consumer price inflation published by the government, and use a higher rate for costs that usually rise faster, such as education or healthcare. Try a few rates to see the range.
What is real return?
It is how much your money grows in buying power after inflation. If an investment earns 7% a year and prices rise 6% a year, your buying power grows by about 0.94% a year, not 7%.
Why does ₹1 lakh in 10 years matter less than ₹1 lakh today?
Because prices rise in between. At 6% a year, what costs ₹1 lakh today would cost about ₹1.79 lakh in 10 years, so ₹1 lakh then buys only what about ₹55,839 buys today.