Investment inflation calculator deflates a future rupee amount into today's purchasing power.
About this calculator
Investment inflation calculator deflates a future rupee amount into today's purchasing power. Enter the nominal balance you expect — from an FD, mutual fund, or retirement corpus — plus an inflation assumption and time horizon. You see what that pile of money is really worth in current rupees.
Inflation compounds silently. At 6% annual inflation, prices double roughly every 12 years. A ₹1 crore nominal target in 2036 may feel like ₹56 lakh in 2026 buying power if inflation averages 6%.
This is the reverse of the [[inflation]] calculator, which projects today's money forward. Use both together: grow today's savings with [[compound-interest]], then deflate the result here to check if you are ahead of inflation.
Indian CPI has averaged roughly 5–6% long term, but food and education often run hotter. Stress-test with 7–8% if you are planning conservative retirement targets.
Common uses
- Check whether ₹50 lakh in 15 years beats 6% inflation from today
- Compare nominal FD maturity to real purchasing power at retirement
- Deflate a mutual fund target corpus into today
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Frequently asked questions
What is ₹10 lakh in 10 years worth today at 6% inflation?
Real value = 1000000 ÷ (1.06)^10 ≈ ₹558,394. Inflation erodes about ₹441,606 of purchasing power. Enter future value 1000000, inflation 6, years 10.
How is this different from the inflation calculator?
The [[inflation]] tool starts from today
What inflation rate should I use for India?
Long-run CPI averages near 5–6%, but plan retirement at 6–7% to be safe. Education and healthcare often inflate faster than the headline CPI number.
Does this account for investment returns?
No. Enter the nominal future balance you already expect from your investment plan. Combine with [[compound-interest]] or [[cagr]] to build that future value first.