# Inflation Calculator

Enter what something costs today, the inflation rate you expect and the number of years to see what it will cost in the future.

Live calculator: https://calc.softool.in/inflation-calculator

## 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.

---
Source: https://calc.softool.in/inflation-calculator
Last reviewed: October 2026. Results are estimates, not financial advice.