Inflation Calculator

See what any amount will cost in the future as prices rise — and how much a future sum is really worth in today's money at your chosen inflation rate.

🔒 Runs entirely in your browser — nothing is sent anywhere

Your numbers

A price today, or a future sum you want to value in today's money.

Average yearly rise in prices. India ≈ 6%.

How far ahead to look (1–100).

How this works

Inflation compounds — each year prices rise on top of prices that have already risen. This tool turns that into two clear numbers.

1

Enter an amount

Type a price you know today, or a sum of money you expect to have or need at some point in the future.

2

Set rate and years

Give the average annual inflation rate and how many years ahead you're looking. The default 6% reflects India's long-run CPI.

3

Read both views

We show the future cost of that amount and its purchasing power — its value in today's money.

The formulas in full

Future costFuture = Amount × (1 + r/100)^years
Purchasing powerValue today = Amount ÷ (1 + r/100)^years

Where Amount is your figure, r is the annual inflation rate in percent and years is the time period.

Worked example

A basket that costs ₹1,00,000 today will cost ₹1,79,085 in 10 years at 6% inflation. Put the other way, a ₹1,00,000 received 10 years from now is worth only about ₹55,839 in today's money.

This is an estimate for planning. Real inflation varies year to year and differs by category — education and healthcare often rise faster than the headline rate, while some goods get cheaper. Use it as a guide, not a guarantee.

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Private by design. Every number stays on your device. Nothing you type is uploaded, stored or shared.

Frequently Asked Questions

How does this inflation calculator work? ▼
It uses the compound formula Future cost = Amount × (1 + rate ÷ 100)years. Each year the price grows by the inflation rate on top of the already-inflated price, exactly like compound interest. The reverse calculation, Amount ÷ (1 + rate ÷ 100)years, tells you the purchasing power — what a future sum is really worth in today's money.
What does purchasing power mean? ▼
Purchasing power is how much a rupee can actually buy. When prices rise, the same ₹100 buys fewer goods, so its purchasing power falls even though the number stays the same. This tool shows the purchasing power of a future amount in today's money — for example, ₹1,00,000 received 10 years from now might only buy what ₹55,839 buys today at 6% inflation.
What inflation rate should I use? ▼
India's long-run consumer price inflation (CPI) has averaged roughly 5–7% per year, which is why 6% is the default here. For specific goods you can use a higher figure — education and healthcare costs in India often rise 8–10% a year — while some electronics fall in price. Use the rate that best matches what you're planning for.
What is the difference between future cost and purchasing power? ▼
Future cost looks forward: it grows today's price up to what you'll need to pay later. Purchasing power looks backward: it discounts a future amount down to what it's worth in today's money. They are two sides of the same coin — one multiplies by the inflation factor, the other divides by it.
Why does inflation matter for my savings? ▼
If your money earns less than the inflation rate, its real value shrinks over time even as the balance grows. To protect and grow purchasing power, your investments generally need to return more than inflation after tax. That's why long-term goals like retirement and a child's education are usually planned against an assumed inflation rate.
Is anything I type sent to a server? ▼
No. Every calculation runs entirely in your browser using JavaScript. Your figures never leave your device and nothing is uploaded or stored.

Free to use · works entirely in your browser · no account needed.

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