TrackMyNetWorth logoTrackMyNetWorth.in
Start free

Inflation calculator

Price tomorrow's rupee before it loses its value.

See how inflation reshapes every family goal — a house, education, retirement — and what your current savings will actually buy.

INR native

TrackMyNetWorth

Scenario planning

TrackMyNetWorth

Family decisions

TrackMyNetWorth

Inflation Calculator

Future cost of the same lifestyle

₹0

Purchasing power of today's money

₹31,18,047

Purchasing power eroded

68.8%

India's CPI has averaged around 5–6% over the past decade; education and healthcare typically inflate faster.

How the inflation calculation works

Future cost = Today's cost × (1 + inflation)ᵗ, and the purchasing power of today's money shrinks by the same mathematics in reverse. At 6% inflation, prices roughly double every 12 years — and your salary's buying power halves on the same clock.

Worked example

What today's ₹1,00,00,000 of household expenses becomes after 20 years at 6% inflation:

Today's cost₹1,00,00,000
Inflation6% p.a.
Time20 years
Future cost of the same lifestyle≈ ₹3.21 Cr
Purchasing power of today's ₹1 Cr≈ ₹31.18 L

Frequently asked questions

What inflation rate should I plan with in India?
CPI has averaged roughly 5–6% over the last decade, but household experience runs hotter — education and healthcare inflate at 8–10%. Planning at 7–8% for long horizons builds a sturdier cushion than trusting headline CPI.
Why does my retirement corpus need to beat inflation?
A ₹2 crore corpus earning 7% while inflation runs 6% is growing only ~1% in real terms. After tax, real growth can be zero or negative — which is why retirement math must always run in post-tax, post-inflation rupees.
How does this affect my SIP target?
A goal costing ₹50L today needs about ₹1.6L-equivalent in 20 years at 6% inflation. Feed that inflated target into the SIP calculator, not today's price — under-saving by ignoring inflation is the most common planning error.
Which assets historically beat Indian inflation?
Over long periods: diversified equities comfortably, real estate regionally, gold roughly in line. Fixed deposits and savings accounts usually trail after tax — they preserve capital, not purchasing power.

Calculators answer questions. Your dashboard answers all of them.

TrackMyNetWorth turns these one-off calculations into a living net worth picture — every account, loan and family member in one private dashboard with daily snapshots.

Start tracking freeAll calculators

Related tools and pages

  • Free forever
  • No sign-up needed
  • INR native