Inflation Impact
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Inflation Impact
See how your money loses value over time
India CPI 10y avg: ~5.5%
India Inflation Reference
- • Overall CPI: ~5.5%
- • Healthcare: 10-12%
- • Education: 10%
- • RBI target: 4% (band 2-6%)
Cost After 15 Years
₹23,96,558
At 6% annual inflation, things will cost 2.40x more
Today's Value
₹10,00,000
Real Value
₹4,17,265
Power Lost
₹5,82,735
What Will These Cost?
15 years from now at 6% inflation
Insight
Your ₹10,00,000 today will only have the buying power of ₹4,17,265 in 15 years. To preserve wealth, your investments must beat inflation by 2-3% (after tax).
Pro Tip
- •At 6% inflation, prices double every 12 years (Rule of 72).
- •FDs earning 7% with 6% inflation = real return of just ~1%.
- •Equity historically beats inflation by 5-7% over long periods.
- •Healthcare and education inflation is much higher (10%+) - plan separately.
What is Inflation Impact?
Inflation is the rate at which prices of goods and services rise over time, eroding the purchasing power of money. India's average CPI inflation has been around 5-6% over the past decade. This calculator shows how much something costing ₹X today will cost in the future, and how much your money's purchasing power will be lost.
How to Use
- 1Enter today's amount or cost
- 2Set the number of years in the future
- 3Set the expected inflation rate (India avg ~6%)
- 4See the future cost and your real purchasing power
Formula
Future Value = Present × (1 + inflation)^years
Real Value = Present / (1 + inflation)^yearsFrequently Asked Questions
India's CPI inflation has averaged ~5.5% over the past 10 years. RBI's target is 4% with a tolerance band of 2-6%. Healthcare inflation is much higher (10-12%) and education is around 10%.