Future cost = today's cost × (1 + inflation)^years. India's CPI inflation has averaged about 5–6% a year over the last decade.
| After | Future cost | Buying power of today's amount |
|---|---|---|
| 5 years | ₹66,911 | ₹37,363 |
| 10 years | ₹89,542 | ₹27,920 |
| 15 years | ₹1,19,828 | ₹20,863 |
| 20 years | ₹1,60,357 | ₹15,590 |
| 25 years | ₹2,14,594 | ₹11,650 |
| 30 years | ₹2,87,175 | ₹8,706 |
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Inflation quietly raises prices year after year, so the same money buys less over time. This calculator shows what a cost you face today, such as college fees or a wedding, is likely to be in the future.
Enter today's cost, an expected yearly inflation rate and the number of years to see the future cost and the increase.
| Current Cost | ₹100,000 |
| Expected Inflation | 6% |
| Years From Now | 10 yrs |
| Future cost | ₹1,79,085 |
| Increase | ₹79,085 (79%) |
| Value of ₹1,00,000 after 10 years (buying power) | ₹55,839 |
| Prices double in | 11.9 years at 6% |
Future cost ₹1,79,085.
Try this example →| Current Cost | ₹2,000,000 |
| Expected Inflation | 8% |
| Years From Now | 15 yrs |
| Future cost | ₹63,44,338 |
| Increase | ₹43,44,338 (217%) |
| Value of ₹20,00,000 after 15 years (buying power) | ₹6,30,483 |
| Prices double in | 9 years at 8% |
Future cost ₹63,44,338.
Try this example →| Current Cost | ₹50,000 |
| Expected Inflation | 6% |
| Years From Now | 25 yrs |
| Future cost | ₹2,14,594 |
| Increase | ₹1,64,594 (329%) |
| Value of ₹50,000 after 25 years (buying power) | ₹11,650 |
| Prices double in | 11.9 years at 6% |
₹2,14,594 a month.
Try this example →For general expenses in India, 5–7% is a common assumption. Education and healthcare costs often rise faster, so use 8–10% for those.
Compute the future cost of your goal, then work out the monthly investment needed to reach it with a SIP or RD.
At 6% inflation, prices double in about 12 years. That is the Rule of 72: 72 ÷ 6 = 12.
At 6% inflation, ₹1 lakh will buy what about ₹55,800 buys today; something costing ₹1 lakh now will cost about ₹1.79 lakh.