How to use the Inflation Calculator
- Fill in Cost today, Inflation rate and Number of years. Type a number or drag the slider.
- The result appears straight away and changes as you type. There is no button to press.
- Use the worked example, table and formula below to check the result or compare other values.
Worked example
Something that costs ₹1 lakh today will cost about ₹1,79,085 in 10 years if prices rise 6% a year, an increase of ₹79,085.
Quick answers
- What will ₹1 lakh of expenses cost in 10 years at 4% inflation?At 4% inflation, what costs ₹1 lakh today will cost about ₹1,48,024 in 10 years.
- What will ₹1 lakh of expenses cost in 10 years at 5% inflation?At 5% inflation, what costs ₹1 lakh today will cost about ₹1,62,889 in 10 years.
- What will ₹1 lakh of expenses cost in 10 years at 6% inflation?At 6% inflation, what costs ₹1 lakh today will cost about ₹1,79,085 in 10 years.
- What will ₹1 lakh of expenses cost in 10 years at 7% inflation?At 7% inflation, what costs ₹1 lakh today will cost about ₹1,96,715 in 10 years.
- What will ₹1 lakh of expenses cost in 10 years at 8% inflation?At 8% inflation, what costs ₹1 lakh today will cost about ₹2,15,892 in 10 years.
Inflation table: future cost of ₹1 lakh
What ₹1 lakh of today's spending will cost in future years.
| Inflation rate | 5 years | 10 years | 15 years | 20 years | 25 years |
|---|---|---|---|---|---|
| 4% | ₹1,21,665 | ₹1,48,024 | ₹1,80,094 | ₹2,19,112 | ₹2,66,584 |
| 5% | ₹1,27,628 | ₹1,62,889 | ₹2,07,893 | ₹2,65,330 | ₹3,38,635 |
| 6% | ₹1,33,823 | ₹1,79,085 | ₹2,39,656 | ₹3,20,714 | ₹4,29,187 |
| 7% | ₹1,40,255 | ₹1,96,715 | ₹2,75,903 | ₹3,86,968 | ₹5,42,743 |
| 8% | ₹1,46,933 | ₹2,15,892 | ₹3,17,217 | ₹4,66,096 | ₹6,84,848 |
How it is calculated
Future cost = cost today × (1 + inflation)^years
Inflation compounds like interest: each year's price rise is applied to the already higher price. That is why costs roughly double in 12 years at 6% inflation.
Use this to set a target for a future goal such as education or retirement. Different things inflate at different speeds; education and healthcare costs have often risen faster than general prices.
Good to know
- Set long-term goals in future rupees, not today's rupees.
- Use a higher rate for education and medical costs, which often rise faster than general prices.
- Check that your investments are expected to grow faster than inflation after tax.
Common questions
What inflation rate should I use?
Nobody knows future inflation. Many planners in India test 5% to 7% for general expenses and a higher figure for education and medical costs.
How does inflation affect my savings?
If your savings earn less than the inflation rate after tax, they buy less each year even though the rupee amount grows.
How is inflation measured in India?
The main measure is the Consumer Price Index (CPI), published by the government. It tracks the price of a basket of goods and services that households buy.
What is the rule of 72?
Divide 72 by the inflation rate to estimate how many years it takes for prices to double. At 6% inflation, prices double in about 12 years.
Formula and text last reviewed in October 2026. Results are estimates, not financial advice.