Planning
Inflation Calculator
What today’s money could buy tomorrow — and what tomorrow’s costs could be.
Cost in 20 years
Illustration₹3,20,714
Of something that costs ₹1,00,000 today.
- Today’s money buys, then
- ₹31,180
- Purchasing power if left idle
- Purchasing power lost
- 68.8%
- Prices multiply by
- 3.21×
In plain words
At 6% a year, something that costs ₹1,00,000 today could cost about ₹3.21 L in 20 years. Left uninvested, ₹1,00,000 would then buy what about ₹31,180 buys today.
Rising costs, shrinking purchasing power
- Extra cost over the period
- ₹2,20,714
- Future cost − cost today
- Years for prices to double
- 11.9 years
- At a steady inflation rate
Keep this result
Save it, share a link (numbers only — no personal details), or talk it through with a person.
01Method
How this is calculated
The same formulas run on the server and in your browser, documented in plain language. Every assumption is shown beside the result and you can change it.
- Default assumptions reviewed
- 4 Oct 2026
- Formula version
- 1.0.0
Prices grow at the inflation rate you choose, compounding every year.
future cost = amount × (1 + inflation)^years
Money held without earning anything buys less each year. Its value in today’s money is the amount divided by the same growth in prices.
purchasing power = amount ÷ (1 + inflation)^years
Inflation varies by item and over time — education, healthcare and housing often differ from the headline figure. Treat the rate as an assumption to test, not a forecast.
Default assumptions are hypothetical round numbers chosen for illustration. They are not forecasts and not a view on any product. Change them to see how sensitive the result is.
02Questions
Good to know
More about how our tools work: all tool questions.
03Keep exploring
Understand first. Invest second.
Terms to know
- InflationThe rate at which prices rise over time, which steadily reduces what a fixed amount of money can buy.
- Real returnYour return after accounting for inflation — the growth in what your money can actually buy.
- CompoundingEarning returns on past returns as well as on the original amount, so growth accelerates the longer money stays invested.
Read next
Next step
Numbers are a start. A plan is better.
Take this result into a fuller plan, or talk it through with a CompoundX relationship manager — no obligation.