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Inflation Calculator

100% Free

See how inflation erodes the value of money over time — project the future cost of an amount and the shrinking purchasing power of your savings, instantly and in-browser.

Future Value
Visual Chart
Instant
100% Client-Side

1. Enter the details

What it costs or what you hold today.

Informational only — not financial advice. Assumes a constant annual inflation rate; real inflation varies year to year.

2. Results

In 10 years, ₹1,00,000 of goods will cost
₹1,79,085
Purchasing power
₹55,839
Extra cost
₹79,085
Total inflation
79.1%
Value lost
44.2%
Cost vs. purchasing power over 10 years
Future cost Purchasing power

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  title="Inflation Calculator">
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How to Use

  1. 1 Enter the present amount or today's price
  2. 2 Set the average annual inflation rate (use the slider or type a value)
  3. 3 Choose how many years to project
  4. 4 Read the future cost and the future purchasing power
  5. 5 Use the chart to see the year-by-year trend

Features

  • Future cost — what an amount of goods will cost later
  • Purchasing power — what today's money will be worth
  • Cumulative inflation and value-lost percentages
  • Year-by-year line chart, no library, fully in-browser
  • Adjustable inflation-rate slider from 0–15%
  • Works for any currency amount and up to 100 years

Why it Matters

Inflation quietly shrinks what your money can buy. ₹100 today rarely buys ₹100 worth of goods a decade from now, and money left idle loses real value every year. Seeing the gap between nominal and real value helps you set savings targets, plan for retirement, and judge whether an investment actually beats inflation.

★★★★★

Use Cases

Retirement Planning

Estimate the future cost of your target lifestyle

Salary & Raises

Check whether a raise keeps pace with rising prices

Savings Goals

Set realistic targets that account for inflation

Investment Reality Check

See the real return after inflation eats into gains

What this tool does

The Inflation Calculator shows how inflation changes the value of money over time. Enter an amount, an average annual inflation rate, and a number of years, and it tells you two things: the future cost of that amount of goods, and the future purchasing power of that money held as cash.

How it works

Inflation compounds. The future cost is amount × (1 + rate)^years, while the future purchasing power is amount ÷ (1 + rate)^years. The tool also reports cumulative inflation and the percentage of purchasing power lost, and draws a year-by-year chart so you can see the trend.

A note on accuracy

This is an informational estimate, not financial advice. It assumes a constant annual inflation rate; real inflation varies year to year. Use a realistic long-run average for your situation and treat the result as a planning guide.

Privacy

Everything runs locally in your browser. Nothing you enter is uploaded, logged, or stored.

Frequently Asked Questions

How does this inflation calculator work?
It compounds the inflation rate over the period you choose. Future cost is the present amount multiplied by (1 + rate) raised to the number of years, showing what the same basket of goods will cost later. Purchasing power divides the present amount by the same factor, showing what today's money will be worth in future terms.
What's the difference between future cost and purchasing power?
Future cost answers 'how much more will I need to pay later for the same thing?' Purchasing power answers 'how much will the money I hold today actually be worth later?' They move in opposite directions — costs rise while the real value of idle cash falls.
What inflation rate should I use?
Use a long-run average that fits your country and time horizon. Many people use 5–7% for India and 2–3% for developed economies, but you can enter any rate. Because real inflation varies year to year, treat the result as an estimate, not a precise forecast.
Does it account for compounding?
Yes. Inflation compounds, so each year's rise is applied on top of the previous year's higher prices. That's why the chart curves upward rather than rising in a straight line.
Is my data stored anywhere?
No. Every calculation runs locally in your browser. The numbers you enter are never uploaded, logged, or stored — refreshing the page clears everything.
📖

Want to understand the math?

Browse all guides →
Inflation Explained
inflation

Inflation Explained: How Rising Prices Erode Your Money

Understand how inflation compounds, the difference between nominal and real value, what the future cost and purchasing power numbers mean, and how to plan around them.

24 Jun 2026

5 min read

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