Planning Calculators
Inflation Calculator
See what today's expenses, savings goal, or cost of living will look like years from now once inflation is factored in.
Your figures
Future Cost
₹0What ₹1,00,000 today will cost in 10 years
Today's Value
₹0Increase in Cost
₹0Rising cost over time
How the same amount's future cost increases year by year
How the inflation calculator works
Inflation gradually reduces what a fixed amount of money can buy. This calculator projects what today's value — an expense, a savings goal, or any fixed figure — would cost at a future date, assuming a constant annual inflation rate.
The formula
Future cost is calculated as FV = P × (1 + i)ⁿ, where P is today's value, i is the annual inflation rate, and n is the number of years. This is the mirror image of compound interest — instead of money growing, purchasing power required to buy the same thing grows.
Why this matters for financial planning
Any long-term goal — retirement expenses, a child's education, a future purchase — should be planned around its inflated future cost, not today's price tag. Skipping this step is one of the most common reasons financial plans fall short: the target quietly moves further away every year.
Frequently asked questions
India's long-term average consumer inflation has generally been in the mid-single digits, though it varies by category — education and healthcare costs, for instance, often rise faster than general inflation. Consider using a higher rate for those specific categories.
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Making sure your plan keeps pace with rising costs?
A Premier Capital advisor can help you build a plan that accounts for inflation across all your major goals, not just one at a time.
