Inflation Calculator

Calculate how much your current monthly expenses will cost in the future due to inflation. Find inflation-adjusted future value of savings and retirement corpus needs.

Personal Inflation Calculator

How inflation erodes purchasing power and inflates future expenses

Current monthly expenses Rs 60,000
Rs 5KRs 5L
Rs
Personal inflation rate 6%
2%15%
%
Planning horizon 20 years
1 yr40 yr
yrs
Future monthly need
---
inflation-adjusted
Retirement corpus
---
25x future annual expense
Today's Rs 1L worth
---
in real terms at year-end
Current monthly expenses---
Monthly expenses in future---
Annual expenses in future---
Retirement corpus needed (25x)---
Real value of today's Rs 1L in future---
Today's expenses vs future inflated amount
Today's expense: ---
Inflation addition: ---

Estimates for personal financial planning. Consult a financial advisor for personalised advice.

Monthly expenses growing with inflation over years
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ThriftRupee Insight

India's official CPI averages 5-6%, but your personal inflation rate may be much higher. Education costs inflate at 10-12%, healthcare at 14%, real estate at 8-10%. If you spend heavily on these, your personal inflation easily exceeds 7-8%. The retirement corpus most people calculate using 6% inflation will be 20-30% short if actual inflation is 8%. Always use a conservative (higher) inflation assumption in long-term planning.

Personal Inflation Calculator — Future Cost of Living

Inflation silently erodes your purchasing power every year. At 6% inflation, today's Rs 60,000/month expenses will become Rs 1.93 lakh/month in 20 years. Your retirement corpus and savings plan must account for this growing cost of living.

Frequently asked questions

What is the inflation rate in India?▼
India's CPI (Consumer Price Index) inflation averaged 5-6% per year from 2015-2025. However, component inflation varies widely: food 4-6%, fuel 5-8%, healthcare 12-16%, education 10-12%, urban rent 8-10%. Your personal inflation rate equals the weighted average of what you actually spend on — heavy spenders on healthcare and education face higher effective inflation.
How does inflation affect retirement planning?▼
If you need Rs 60,000/month today, at 6% inflation you will need Rs 1.93 lakh/month in 20 years and Rs 3.24 lakh in 30 years. Your retirement corpus must be large enough to generate this inflating income. The 4% safe withdrawal rule works best with moderate inflation — in high-inflation environments, use 3-3.5% as your withdrawal rate.
How can I protect against inflation?▼
Equity investments (Nifty 50 delivered 12-14% CAGR over 20 years) are the best inflation hedge long-term. Real assets (real estate, gold) offer partial inflation protection. Inflation-indexed bonds (RBI bonds) provide government-guaranteed inflation protection. FDs lose to inflation after tax. The worst inflation protection: cash, savings accounts, and traditional insurance plans.

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