See how inflation erodes the value of money and find the average inflation rate.
At 6% inflation, ₹1,00,000 today will cost ₹3,20,713.55 to buy in 20 years — or, put another way, ₹1,00,000 then buys only about ₹31,180 of today's goods.
Inflation is the steady rise in prices, which reduces what each rupee can buy. This calculator shows the future cost of something that costs a given amount today, the purchasing power of money after years of inflation, and — in the second tool — the average yearly inflation rate implied by two prices.
Use it to plan for retirement, education costs or any long-term goal. India's long-run consumer inflation has averaged around 5–6%, but use a rate that suits your own spending. Combine it with the Future Value Calculator or the Retirement Calculator.
The calculator applies the standard financial formulas step by step.
| Item | Value |
|---|---|
| Future cost of today's ₹1,00,000.00 | ₹3,20,713.55 |
| Purchasing power of ₹1,00,000.00 in 20 years | ₹31,180.47 |
| Total price rise | 220.71% |
| Purchasing power lost | 68.82% |
| Case | Future cost |
|---|---|
| ₹1,00,000 in 10 years at 4% | ₹1,48,024.43 |
| ₹1,00,000 in 10 years at 6% | ₹1,79,084.77 |
| ₹1,00,000 in 20 years at 6% | ₹3,20,713.55 |
| ₹1,00,000 in 20 years at 8% | ₹4,66,095.71 |
| ₹1,00,000 in 30 years at 6% | ₹5,74,349.12 |
A general rise in prices over time, which lowers the purchasing power of money.
Multiply today's cost by (1 + inflation)^years. At 6% for 20 years, prices rise about 3.2 times.
Divide the new price by the old price, raise it to the power 1 ÷ years, and subtract 1.
Use a long-run average that reflects your own costs — education and healthcare often rise faster than general inflation.
How much you can buy with a given amount of money. Inflation erodes it.
By earning a return above the inflation rate, for example through diversified long-term investments.
It uses the standard formula: future cost = amount × (1 + i)ⁿ real value = amount ÷ (1 + i)ⁿ The full method and a worked example are shown on this page.
No. The calculator gives estimates for planning and learning. Real offers vary by lender, product and date, so confirm the details with your bank, lender or a qualified adviser before deciding.
Yes. The maths is identical in any currency; only the currency symbol shown in the results differs.
No. Everything is calculated in your browser and nothing you enter is uploaded or saved.
