Inflation Calculator
What ₹X becomes in Y years
₹1,00,000
6.0%
10 yrs
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Multiplier
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Purchasing power erosion
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Required return to beat
Where to beat Indian inflation
CPI has averaged ~6%/yr over the last decade. To grow purchasing power, your post-tax return must exceed 6%.
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How inflation compounds
Future cost = Today's cost × (1 + inflation)years. At 6% inflation, ₹1L today = ₹1.79L needed after 10 yrs — just to buy the same basket. That's why cash under the mattress shrinks every day.
- Savings a/c (3%) loses ~3% real value per year against 6% inflation
- FD (7%) barely keeps pace after tax (post-tax ~4.9%)
- Index funds (12% historical) leave ~6% real growth after inflation
Inverse trick: divide today's cost by the result above to see what it felt like years ago. ₹1L today ≈ ₹55,838 of 2016 purchasing power at 6%/yr.