Why does inflation matter for planning?

Inflation reduces what your money can buy. ₹1 lakh today at 6% inflation will need ₹3.21 lakh in 20 years to buy the same goods.

What inflation rate should I use?

Use 6% for general planning, 8–10% for medical expenses and 10–12% for higher education in India.

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Project the future cost of today\'s expenses.

Reviewed by Nisha SLast verified 6 Sept 2026RBI-compliantFact-check policy

Today's Amount₹1,00,000

₹1K₹10Cr

Inflation Rate %6%

1%15%

Years20 yrs

150

Future Equivalent Amount₹3,20,714

Loss in Purchasing Power₹2,20,714

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Personalised plan in 60 seconds.

Inflation reduces what your rupee can buy. Use this to size goals like retirement and education.

Future Value = Present × (1 + inflation)^years

Everything you need to know about the Inflation Calculator.

Results are illustrative estimates for planning. Actual figures depend on bank/AMC terms, taxes and market conditions.