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Inflation Calculator 2026

Inflation raises a future price by multiplying the present amount by (1 + rate) for each year. The same formula shows how much purchasing power a present sum loses over that period.

⚠️ Disclaimer: The 5% rate is an illustrative default. The same rate is applied every year. A measured CPI series is not loaded.
₹
%
years

Future Purchasing Cost (After 10 Years)

₹0.00
Price Increase-₹1,00,000.00
Current Cost₹1,00,000.00

💸 Purchasing Power Impact

Today's ₹1,00,000.00 will only buy goods worth:

₹61,391.33

That's a purchasing power loss of 38.6% over 10 years.

₹1,00,000 at 5% for 10 years becomes about ₹1,62,889. In today's prices, that ₹1,00,000 later buys about ₹61,391, a loss of about 38.6%.

Financial & Tax Advice Disclaimer

This tool is provided strictly for educational, planning, and illustrative purposes. All figures, estimates, compounding formulas, and tax calculations are based on user input parameters and current mathematical models.

No Performance Guarantee & Liability: Output calculations do not guarantee future returns, exact bank interest payouts, market gains, or legal tax liability. Toolioz and its maintainers accept no legal or financial liability for investment losses, loan commitments, or tax penalties resulting from the use of this calculator.

Always consult a certified financial planner, registered investment advisor, or Chartered Accountant (CA) before taking financial action.

Two results from one rate

Future price

  • Formula: present amount × (1 + rate)^years.
  • Default: ₹1,00,000 at 5% for 10 years is about ₹1,62,889.
  • Increase: About ₹62,889.

Purchasing power

  • Formula: present amount ÷ (1 + rate)^years.
  • Default: ₹1,00,000 later buys about ₹61,391 in today's prices.
  • Not calculated: Tax, indexation, and an investment return are not subtracted.

How this inflation figure is built

One amount, one annual rate, and a number of years. The rate does not change from year to year.

Worked figures

  • •5% for 10 years: ₹1,00,000 becomes about ₹1,62,889.
  • •Buying power: That ₹1,00,000 later buys about ₹61,391 of today's goods.
  • •6% check: ₹1,00,000 at 6% for 10 years is about ₹1,79,085.
  • •Doubling: At 5%, prices double in about 14.2 years. 72 ÷ 5 is 14.4 years, which is the rough estimate, not the result printed above.

Not an asset ranking

  • •One rate: Equity, property, gold, and savings-account returns are not looked up.
  • •Same rate each year: The entered percent is reused. A CPI history is not loaded.
  • •No tax: Indexation and capital-gains tax are not applied.
  • •10% example: ₹10,00,000 at 10% for 10 years is about ₹25,93,742.

Another check

  • ✅₹50,000 at 5% for 14 years is about ₹98,997, just short of double.
  • ✅₹10,00,000 at 10% for 10 years is about ₹25,93,742.
  • ✅A 6% or 7% retirement assumption is not built in. The rate box starts at 5%.
  • ✅An investment return is not compared with this inflation rate.

Frequently Asked Questions

Future cost = present amount × (1 + rate)^years. ₹1,00,000 at 6% for 10 years is about ₹1,79,085. The page starts at 5%, which makes the same amount about ₹1,62,889.

No. It raises a present amount by (1 + rate)^years and also shows that amount divided by the same factor. A nominal return minus inflation is not calculated.

No. Equity, real estate, gold, and savings-account returns are not inputs. The only rate used is the inflation percent entered on the page.

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Publisher notes · reviewed 10 September 2026

Inflation erodes a future rupee, it does not change cash today

This page applies FV = PV × (1 + π)^t. π is an assumed annual inflation rate, not the next CPI print. Use it to see purchasing power, not to forecast RBI policy.

Reading the output

₹1,00,000 today at 6% inflation for 10 years needs about ₹1,79,085 in then-rupees to buy the same basket. Equivalently, ₹1,00,000 received in 10 years is worth about ₹55,840 in rupees today at 6%. Those two views are inverses.

Indian CPI series are published by MOSPI. Food and housing inflate at different speeds; a single π is a blunt instrument. For retirement, pair this page with the retirement-corpus calculator rather than inflating salary forever at 6% without a career path.

Worked examples

  • Education cost sketch

    A ₹15 lakh present cost at 8% education inflation for 12 years is 1500000 × (1.08)^12 ≈ ₹37.8 lakh. That is a planning sketch, not a college fee circular.

Limits of this page

  • One rate for all goods is an approximation.
  • Deflation and negative π are mathematically allowed but rare as a 10-year plan.

Sources