Free Tool

Inflation Calculator

See what something that costs a given amount today could cost in future, or what a future amount is really worth today.

Runs entirely against a stateless calculation — nothing you enter here is stored.

Illustration only. Assumed returns and inflation are not guaranteed, and this is not investment advice.

Goals are planned in future rupees. Mandala Personal builds inflation into every goal projection so your targets stay realistic.

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FAQ

About inflation.

How does this inflation calculator work?
To find a future cost it multiplies today's amount by (1 + inflation rate) for every year. To find today's value of a future amount it divides by the same factor. It assumes a constant yearly rate, which real inflation is not.
What inflation rate should I enter?
The calculator starts at 6%, which is only a starting assumption. Indian consumer inflation has varied over the years and your own costs, such as education or healthcare, may rise faster or slower than the headline figure. You can change the rate to test different cases.
What does 'worth in today's money' mean?
It converts a future rupee amount into the purchasing power it would have today. For example, at 6% a year, ₹1 lakh received in 10 years buys roughly what ₹56,000 buys today.
Why does inflation matter for long-term goals?
A goal's cost in the future is usually higher than its cost today, so a target set in today's money can fall short. Comparing both views shows how large the difference can get over a long period.
Is this financial advice?
No. It is a simple arithmetic illustration with an assumed rate. It does not predict inflation and does not recommend any investment or action.
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