SIP Calculator
Project the value of a monthly SIP over your chosen investment horizon.
Financial calculator
Inflation Calculator
Understand how inflation changes the amount required to maintain the same purchasing power over time.
This calculator is for illustrative and educational purposes only. Actual investment returns may vary. Investments are subject to market risks.
Your inputs
₹10,00010 Lakh₹10,00,00,000
020
140
Every figure above is an assumption you control. Change any of them to see how the projection responds.
Estimated results
Amount needed after 15 years
₹23,96,558
₹10,00,000 today may require ₹23,96,558 in 15 years to buy the same basket of goods and services, at 6% inflation a year.
Amount today
₹10,00,000
Additional amount required
₹13,96,558
What it would still buy
₹4,17,265
Value of today's amount, in today's money, after the period
Purchasing power lost
58.3%
Over the full period, on these assumptions
Money held in a form that earns less than inflation loses purchasing power over time, even though the rupee figure never falls. That is the reason inflation is built into every goal calculator on this site.
The rising cost of the same basket
The dashed line is the amount you have today; the solid line is what would be required to match it.
Year-by-year effect
| Year | Amount required | Purchasing power of today's amount | Purchasing power lost |
|---|---|---|---|
| 1 | ₹10,60,000 | ₹9,43,396 | 5.7% |
| 2 | ₹11,23,600 | ₹8,89,996 | 11% |
| 3 | ₹11,91,016 | ₹8,39,619 | 16% |
| 4 | ₹12,62,477 | ₹7,92,094 | 20.8% |
| 5 | ₹13,38,226 | ₹7,47,258 | 25.3% |
| 6 | ₹14,18,519 | ₹7,04,961 | 29.5% |
| 7 | ₹15,03,630 | ₹6,65,057 | 33.5% |
| 8 | ₹15,93,848 | ₹6,27,412 | 37.3% |
| 9 | ₹16,89,479 | ₹5,91,898 | 40.8% |
| 10 | ₹17,90,848 | ₹5,58,395 | 44.2% |
Assumptions behind this calculation
Nothing here is hidden. Change any assumption in the inputs panel and the projection updates immediately.
- Inflation rate
- 6% a year, constant
- Actual inflation varies year to year and is not something anyone controls or predicts reliably.
- Personal inflation
- May differ from this figure
- Education, healthcare and property have historically risen faster than headline inflation in India. Your own basket of spending is what matters.
- Investment returns
- Not included
- This calculator shows the effect of inflation alone. To see how investing might respond to it, use the SIP or Goal Planning calculator.
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Important information
Results shown are estimates based on the inputs and assumptions selected by you. They are provided for educational and illustrative purposes only and should not be considered financial advice, investment advice, or a guarantee of future returns. Actual results may vary.
Investments are subject to market risks. Past performance may or may not be indicative of future performance. Returns are not guaranteed. Please read all scheme-related documents carefully and invest in line with your own goals and risk appetite.
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Discuss what this number means for you
A projection is arithmetic. Whether the figure is achievable, appropriate and sensibly invested is a conversation — and that is where our team can help.
Investments are subject to market risks. Returns are not guaranteed. Any discussion is educational in nature and is not a recommendation to buy or sell a financial product.