Which inflation rate should I use?

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Inflation Calculator

See what today’s rupees become in future money, and the real return after inflation.

Last updated 2026-09-18

Today’s amount₹Inflation%YearsyrsNominal return (for real return)%

Future cost of the same basket

₹1,791

Real return

5.66%

How it works

Future cost = P × (1 + i)^n. Real return = (1 + nominal)/(1 + inflation) − 1.

How to use this calculator

Enter the inputs shown above (amount, rate, tenure, income, or other fields).
Read the live results — they update as you type.
Check the formula, worked example, and assumptions on this page before you decide.

Formula

Future cost = P × (1 + i)^n. Real return = (1 + nominal)/(1 + inflation) − 1.

Worked example

₹1,000 at 6% inflation for 10 years has about ₹1,791 of future purchasing-power equivalent.

Reading the result

Treat the output as a planning figure. Compare it with your sanction letter, payslip, or GST invoice rather than treating it as a filing or a loan offer.

See also: calculation methodology and disclaimer.

Frequently asked questions

There is no official single household rate. CPI varies. Enter a planning assumption; this is not an RBI forecast.

Assumptions and limits

This is a planning estimate. Your lender, employer, or tax officer may use different inputs or rounding.

Results are educational estimates, not tax, legal, investment, or medical advice, and not a loan offer. Verify filings and payments with the official authority or a qualified professional.

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