Inflation calculator
What something that costs ₹1,00,000 today could cost in the future, and what money will be worth then. At 6% inflation a year, it costs about ₹1,79,085 in 10 years, and ₹1,00,000 then buys what about ₹55,839 buys today.
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What ₹1,00,000 costs in 10 years
₹1,79,085
about ₹1.79 lakh
- What ₹1,00,000 will be worth then, in today’s money
- ₹55,839
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The cost, year by year
Year by year
| Year | What it will cost | What ₹1,00,000 will be worth in today’s money |
|---|---|---|
| 1 | ₹1,06,000 | ₹94,340 |
| 2 | ₹1,12,360 | ₹89,000 |
| 3 | ₹1,19,102 | ₹83,962 |
| 4 | ₹1,26,248 | ₹79,209 |
| 5 | ₹1,33,823 | ₹74,726 |
| 6 | ₹1,41,852 | ₹70,496 |
| 7 | ₹1,50,363 | ₹66,506 |
| 8 | ₹1,59,385 | ₹62,741 |
| 9 | ₹1,68,948 | ₹59,190 |
| 10 | ₹1,79,085 | ₹55,839 |
How this is calculated
Prices rise by the inflation rate every year, compounded:
Future cost = cost today × (1 + inflation)^years
and the value of money falls the other way:
Worth in today's money = amount ÷ (1 + inflation)^years
- The same rate every year is assumed. Real inflation moves around, and some costs, like school fees and health care, often rise faster than the average.
- The inflation rate is yours to choose. Try a few, to see how much it matters over long periods.
Questions
What inflation rate should I use?
For general living costs, many people plan with the long-run average of consumer price inflation, and add a margin. For education or medical costs, which have often risen faster, use a higher rate. The point is to plan, so a cautious rate is safer than a hopeful one.
Why does this matter for savings?
Money that earns less than inflation loses buying power, even as its rupee value grows. A savings account at 3% a year, with inflation at 6%, buys less every year. Compare your returns with inflation, not with zero.
How do I plan for a goal with this?
Work out what the goal will cost when you need it, then use the SIP calculator to see what to invest each month to get there.
Plan your goals in Quilleaf
Quilleaf is a free app for Android that keeps your money ledger on your phone, with no sign-up. Give a goal a target and a date, link the accounts and investments you save in, and see the amount a month that finishes it on time.
More calculators
SIP calculator
What a monthly SIP could grow to, with an optional yearly step-up.
Lumpsum calculator
What a one-time investment could grow to at a yearly return.
CAGR calculator
The yearly growth rate between a starting and an ending value.
Emergency fund calculator
How much to keep aside for a rainy day, and how long it takes to get there.
These figures are estimates to help you plan, not financial advice. Banks, lenders and fund houses round and time things their own way, and rates change: check with them before you decide.