What something costs now.
Your own assumption. RBI's inflation target is 4% (±2%).
How far into the future.
Quick examples
₹1,00,000 today, at 6% yearly inflation for 10 years.
What each result means
Future cost
What it is: Today's cost grown at your inflation rate.
Your value: ₹1,79,085
What you'd need to pay later.
Value of ₹ today, then
What it is: What today's amount would buy in future, in today's money.
Your value: ₹55,839
Loss of purchasing power.
Increase
What it is: Future cost minus today's cost.
Your value: ₹79,085
In rupees.
Year-by-year breakdown
| Year | Cost at start (₹) | Increase this year (₹) | Total increase (₹) | Cost at year end (₹) |
|---|---|---|---|---|
| 1 | ₹1,00,000 | ₹6,000 | ₹6,000 | ₹1,06,000 |
| 2 | ₹1,06,000 | ₹6,360 | ₹12,360 | ₹1,12,360 |
| 3 | ₹1,12,360 | ₹6,742 | ₹19,102 | ₹1,19,102 |
How to read this: each row shows the projected cost at the end of that year if prices rose at your assumed rate every year.
Showing the first 3 of 10 years. Want charts, formulas and the full schedule? Get the detailed PDF.
What this calculator does
This calculator projects how much something costing a given amount today could cost in future if prices rise at a steady inflation rate you choose.
What your result means
The future cost is a projection under your assumption — actual inflation varies year to year.
Formula
1. Future cost
Symbols
- C
- Cost today (₹)
- i
- Inflation rate (decimal)
- n
- Years
Why this formula works
Prices compound: each year's rise applies to the already-higher price.
Unit check
₹ = ₹ × ratio. ✓
Worked example
₹1,00,000 at 6% for 10 years: 1,00,000 × 1.06¹⁰ ≈ ₹1,79,085.
Common mistakes
Multiplying rate × years (ignores compounding).
Working for your numbers
- (1 + 0.06)^10 = 1.790848
- FC = ₹1,00,000 × 1.790848 = ₹1,79,085
- Purchasing power = ₹1,00,000 ÷ 1.790848 = ₹55,839
Frequently asked questions
What inflation rate should I use?
It is your own assumption. RBI targets 4% CPI inflation within a 2–6% band; actual inflation for specific costs like education or healthcare can differ.
When should I talk to a professional instead?
Before a real borrowing or investment decision, check the lender's Key Facts Statement or speak to a qualified adviser. This page is educational and does not consider your full situation.
Symbols and assumptions
- C
- Cost today (₹)
- i
- Assumed inflation (%)
- n
- Years
- Inflation is constant every year.
- The same basket of goods is compared.
Sources and review
Reviewed 2026-09-29 · Next review 2027-09-29
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How it works
Inflation reduces what your money can buy over time. This tool helps you see the future cost of a current expense.
The formula
Future Cost = Present Cost * (1 + inflation)^years- Present Cost
- Today's Cost
- inflation
- Annual Inflation Rate
Worked example
₹10 Lakh today will need ~₹24 Lakh in 15 years at 6% inflation.
Pro tips
- Use 6-7% as a realistic long-term inflation rate for India.
- Inflation is an assumption based on historical data.
Common mistakes
- Ignoring inflation in long-term retirement planning.
Go deeper
Related lessons
Concepts to explore
Related guides
Institutional grade calculations are illustrative and for educational wealth architecture. Results do not constitute investment advice.