See how inflation changes an amount over time — forward, backward, or implied rate
CPI in India has often run around 4–6% in recent years — use your own assumption.
₹0
What costs ₹1,00,000 today will cost ₹0 in 10 years, assuming 6% annual inflation.
If your savings earn the nominal rate below, this is the inflation-adjusted value at the goal date:
| Year | Value | Cumulative Increase | % Change |
|---|---|---|---|
| 1 | ₹1,06,000 | ₹6,000 | 6.0% |
| 2 | ₹1,12,360 | ₹12,360 | 12.4% |
| 3 | ₹1,19,102 | ₹19,102 | 19.1% |
| 4 | ₹1,26,248 | ₹26,248 | 26.2% |
| 5 | ₹1,33,823 | ₹33,823 | 33.8% |
| 6 | ₹1,41,852 | ₹41,852 | 41.9% |
| 7 | ₹1,50,363 | ₹50,363 | 50.4% |
| 8 | ₹1,59,385 | ₹59,385 | 59.4% |
| 9 | ₹1,68,948 | ₹68,948 | 68.9% |
| 10 | ₹1,79,085 | ₹79,085 | 79.1% |
Illustrative items at 6% over 10 years — not live market prices.
Three modes: project an amount forward at a fixed inflation rate, back out what today's money was worth in the past, or derive the average annual rate between a past and present price over a given number of years.
Forward: FV = PV × (1 + r)^t. Backward: PV = FV ÷ (1 + r)^t. Rate mode: r = [(present ÷ past)^(1/t)] − 1. All modes assume a constant annual rate.
Example: ₹1 lakh today at 6% for 10 years → about ₹1.79 lakh future cost. ₹50,000 then vs ₹1 lakh now over 10 years → about 7.2% average inflation.
Inflation here means prices rise on average each year. ₹1 lakh in the bank without returns buys less over time. Past-value mode answers "what would I need today to match what X bought years ago?"
Coffee, petrol, and grocery figures are round-number examples scaled by your entered rate — not scraped from current CPI data. Use them to visualise the math, not as forecasts.
Monthly or varying inflation, tax, and category-specific spikes (education, healthcare) are not modelled. Official CPI weights differ from any single expense you track. Returns-vs-inflation rows use fixed nominal rates only.
For retirement or education goals, add an inflation buffer to the target amount in goal SIP or retirement calculators. Pick a rate you can defend — many long-range plans in India still use roughly 5–7%, but your expense basket may differ.
Disclaimer: Figures assume constant annual inflation. Actual CPI and personal costs will differ year to year.
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