See what today's money will really be worth years from now.
Future cost
In 10 years, ₹1,00,000 will cost ₹1,79,085
at 6% inflation per year
Put simply: what ₹1,00,000 buys today will cost ₹1,79,085 in 10 years. And if you simply hold that ₹1,00,000 in cash, it will only have the buying power of ₹55,839 by then.
Inflation quietly raises the cost of everything you buy, which means the same amount of money buys a little less each year. This inflation calculator shows two things at once: how much a purchase that costs a certain amount today will cost in the future, and how much the buying power of your money will shrink if it just sits in cash. Understanding both is the first step to protecting and growing your wealth.
The calculator uses the compound-growth formula:
Future cost = P × (1 + i)^t
Where P is today’s amount, i is the annual inflation rate, and tis the number of years. The same formula run in reverse — dividing instead of multiplying — gives the future purchasing power of today’s money, i.e. what your cash will actually be worth once prices have risen.
The gap between these two numbers is why simply holding cash loses value over time. To stay ahead, your money needs to earn a return higher than inflation — which is where a SIP calculator or an FD calculator can help you plan.
Inflation is the gradual rise in the general price level of goods and services over time. As prices climb, each unit of currency buys a little less, so your money loses purchasing power even if the number in your account stays the same.
If your savings grow slower than inflation, their real value falls. For example, at 6% inflation, money left in cash loses roughly half its buying power in about 12 years, even though the balance on paper hasn't dropped a single rupee.
India's long-run consumer inflation has averaged around 5-6% per year, while the US has typically averaged closer to 2-3%. Rates vary year to year, so it's wise to test a few different figures in the calculator to see a realistic range.
The key is to earn a return greater than the inflation rate. Keeping too much in idle cash guarantees a loss of real value. Investing in assets like equity mutual funds via a SIP, or locking money in a fixed deposit at a rate above inflation, helps your wealth keep pace with or outgrow rising prices.
They answer two different questions. Future cost tells you how much more you'll need to buy the same thing later, which is vital for goal planning. Purchasing power tells you what your existing money will actually be worth, which shows the real cost of not investing.
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