Inflation Calculator
Calculate the future value of money adjusted for inflation.
Results
Today's amount
₹1.00 L
Purchasing power loss
-44.2%
Future equivalent needed (after 10Y)
₹1.79 L
Real value of today's ₹1.00 L after 10 years
₹55.8K
Beat inflation by tracking your real net worth
FlowTrack shows you your net worth over time. Seeing real numbers helps you invest more — not just save — to stay ahead of inflation.
Try FlowTrack free →This is an estimate for planning purposes only and does not constitute financial advice.
How inflation erodes the value of money in India
Inflation is the rate at which the purchasing power of money decreases over time. India's average retail inflation (CPI) has been around 5–7% per year over the past decade, though it can spike during supply shocks. At 6% annual inflation, ₹1 lakh today will need to grow to ₹1.79 lakh in 10 years just to buy the same things.
The real value of money is a crucial concept for financial planning. If you keep ₹1 lakh in a savings account earning 3.5% interest while inflation runs at 6%, you're actually losing purchasing power every year. This is why staying invested in inflation-beating assets — equity mutual funds, real estate, or even PPF — is essential for long-term wealth preservation.
This calculator shows you two perspectives: the future equivalent (how much you'll need in the future to maintain today's lifestyle) and the real value decay (how much today's money is worth in future terms). Use this to plan salary negotiations, retirement targets, and investment goals in inflation-adjusted terms.