Inflation Calculator · NEW
What will your money actually buy?
Inflation is the silent tax. See exactly how much purchasing power you lose — and how much you'll need just to stand still.
In 20 years, you'll need
(₹3.21 L) just to buy what ₹1,00,000 buys today
In 20 years, ₹1,00,000 buys
(₹31,180 in today's purchasing power) — a 69% loss
Inflation factor
at 6% over 20 years
Annual cost growth
compounding
Real value today
69% less buying power
₹1,00,000 → future cost
A ₹250 cappuccino today will cost about ₹802 in 20 years.
A ₹1 Cr house today will cost about ₹3.21 Cr in 20 years.
Cash earning 0% loses 69% of its real value over 20 years.
The fix: real returns must beat inflation.
Equity has historically beaten Indian inflation by 6–8% a year over 10+ year periods. An FD at 1.0% post-inflation barely keeps up.
How this page is produced
Every figure above is computed from the amount you set above compounded at the inflation rate you chose, for the number of years you chose. The full method is published, including its limitations.
Headline CPI is an average of one basket of goods; the inflation you personally live through depends on what you actually spend on, and categories like school fees, rent and healthcare have not tracked the average. That is the argument for the rate being a slider here rather than a fixed number. To see what beating it requires, run the same horizon through the SIP calculator and switch on its Real (after inflation) view.
Written and maintained by Azad Mohammed, who wrote the model behind this tool. Found an error? Tell us — corrections are made and the page rebuilds within the hour.
The numbers on this page are a projection from the assumptions you chose, not a forecast and not a promise — a real fund does not return the same percentage every year, and no calculator can know what yours will do. It is not investment advice and not a recommendation to buy or sell any scheme. Arthkar is not a SEBI-registered investment adviser and does not provide or arrange investment advice. Mutual fund investments are subject to market risk; read all scheme related documents carefully.