Inflation Calculator
What today's money will be worth later, and what a future cost equals in today's terms.
Inputs
Formula
- Future cost = Amount × (1 + inflation)^years
- Purchasing power = Amount / (1 + inflation)^years
- Loss of value = Amount − purchasing power
- Halving time ≈ 70 / inflation rate
Inflation works exactly like compound interest, but against you. Two figures matter: what something costing X today will cost later (the future cost), and what X held in cash will buy later (the purchasing power). Any savings rate below inflation guarantees a real loss even when the nominal balance rises.
Step-by-step calculation
- 1
Inflation factor
(1 + 6%)^10
1.7908
- 2
Future cost
100,000 × factor
₹179,085
- 3
Purchasing power
100,000 / factor
₹55,839
Assumptions
- Constant average inflation
- General CPI basket; healthcare and education inflate faster
Tips
- Use 6% for India and 2–3% for developed markets as long-run planning defaults.
- Education and healthcare goals should be modelled at 8–10%.
Warnings
- Cash and low-yield deposits lose real value every year at these rates.
Standards & references
- CPI (Consumer Price Index) methodology
- Fisher relation
Frequently asked questions
What does the Inflation Calculator do?
What today's money will be worth later, and what a future cost equals in today's terms. The Inflation Calculator on OneCalcApp returns the result instantly as you type, together with the formula and the substituted values.
How do I use the Inflation Calculator?
Enter your values in the input fields, choose the relevant units or options, and the Inflation Calculator recalculates automatically. You can copy, print or export the result.
Is the Inflation Calculator free to use?
Yes. The Inflation Calculator is completely free, needs no sign-up and has no usage limit on OneCalcApp.
How accurate is the Inflation Calculator?
It uses the standard formula Future cost = Amount × (1 + inflation)^years and full double-precision arithmetic, so results match a manual calculation to the displayed number of digits.
Does the Inflation Calculator work on mobile and offline?
Yes. The Inflation Calculator runs entirely in your browser on phones, tablets and desktops, and your inputs never leave your device.
Where can I find related tools?
OneCalcApp hosts 300+ calculators and converters, including the full Finance collection. Related tools are linked at the bottom of every page.
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