Inflation Calculator — See How Inflation Changes Your Money
Find what your money will be worth in the future, or what past money is worth today. Free, no sign-up.
What are you planning for?
Assumed inflation
10%Future cost in 15 years
₹62.66L
₹15.00L today, growing at 10% a year
Cost multiplies by
4.2×
₹15.00L in 15y is worth today
₹3.59L
How the cost climbs
What inflation does to everyday prices
Burger
₹200 → ₹835
Coffee
₹150 → ₹627
Movie ticket
₹300 → ₹1,253
1L petrol
₹105 → ₹439
Smart insights
₹15.00L today will cost about ₹62.66L in 15 years at 10% inflation — roughly 4.2× more.
Put another way, ₹15.00L received in 15 years is worth only about ₹3.59L in today's money.
If your investments grow faster than 10%, your purchasing power rises instead of falling — that's why investing beats holding idle cash.
Plan for the real number
Save toward ₹62.66L, not ₹15.00L.
Create an inflation-adjusted education goal in Nami and track it automatically.
Frequently asked questions
What is an inflation calculator and how does it work?
An inflation calculator shows how the value of money changes over time. In 'plan ahead' mode it compounds today's cost forward — Future = Today × (1 + rate)^years — to show what something will cost later. In 'look back' mode it uses historical CPI to show what a past amount is worth today. It makes an abstract percentage concrete in rupees.
How much will ₹1 lakh be worth in the future?
It depends on inflation and the horizon. At 6% inflation, ₹1 lakh today will need to become about ₹1.79 lakh in 10 years and ₹3.21 lakh in 20 years just to buy the same things. Put another way, ₹1 lakh received 20 years from now is worth only about ₹31,000 in today's money.
What is a good inflation rate to assume for planning?
Long-run general (CPI) inflation in India has averaged around 5–6%. For planning, 6% is a sensible base case. Some categories run higher — education is often 8–10% and healthcare can be higher still — so model the specific goal rather than using one blanket number.
How does inflation affect my savings and salary?
Cash sitting idle loses real value every year — at 6% inflation, ₹20 lakh kept idle has the buying power of roughly ₹4.7 lakh after 25 years. Similarly, a salary that doesn't rise with inflation is a quiet pay cut. The fix is to invest in assets that historically beat inflation and to seek raises that outpace it.
Is this inflation calculator accurate for India?
The 'look back' mode uses approximate historical Indian CPI from 2000 onward and is meant for planning, not accounting. The 'plan ahead' mode uses an assumed forward rate you control. Treat the outputs as well-reasoned estimates and adjust the rate to bracket optimistic and pessimistic scenarios.