---
title: "Inflation Calculator India: Value of Money | RupeeCase"
description: "Inflation calculator for India: the future cost of what an amount buys today, the purchasing power lost and the years for prices to double."
source_url: "https://www.rupeecase.com/learn/tools/inflation-calculator"
---

Cost of the same things in 20 years**₹3.21 L**
What ₹1.00 L buys then, in today’s rupees**₹31,180**
Purchasing power lost**68.8%**
Prices double every**11.9 years**

* Cost of the same basket
* Purchasing power

Future cost = amount x (1 + inflation)^years; purchasing power = amount / (1 + inflation)^years.
      Share this resultReset

  01How it works

## In plain words.
Prices compound like returns do. The future cost of a basket is today’s cost grown at the inflation rate; the purchasing power of a fixed amount is the same amount shrunk by it.

    The formula

`Future cost = amount x (1 + inflation)^years``Purchasing power = amount / (1 + inflation)^years`

  02Worked example

## The default numbers, by hand.
Rs 1 lakh at 6% for 20 years: the same things cost about Rs 3.21 lakh, and Rs 1 lakh buys what about Rs 31,200 buys today, a 69% loss of purchasing power.

| Input | Value |
| --- | --- |
| Amount today | ₹1,00,000 |
| Inflation a year | 6% |
| Years | 20 years |

| Result | Value |
| --- | --- |
| Cost of the same things in 20 years | ₹3.21 L |
| What ₹1.00 L buys then, in today’s rupees | ₹31,180 |
| Purchasing power lost | 68.8% |
| Prices double every | 11.9 years |

  03Key concepts

## What to know before you use it.

### How India measures inflation
Headline retail inflation is the Consumer Price Index (Combined) published by MOSPI. The RBI targets 4% within a band of 2% to 6%.

### Your inflation is personal
Food, rent, school fees and medical costs carry different weights in each household, and some rise faster than the headline figure.

### Good to know

* Money in a savings account earning less than inflation loses purchasing power each year.
* The real return calculator shows what an investment earns above inflation.

  04Assumptions

## What the calculator assumes.

* One constant inflation rate.

    Sources, checked 12 Oct 2026

1. [data.gov.in, CPI (Combined) retail inflation FY 2017-18 to 2022-23 (Rajya Sabha answer, MOSPI data): 3.41% in 2018-19 to 6.75% in 2022-23](https://community.data.gov.in/?p=115806)
2. [data.gov.in, CPI (Combined) retail inflation FY 2017-18 to 2022-23 (Rajya Sabha answer, MOSPI data): 3.41% in 2018-19 to 6.75% in 2022-23](https://community.data.gov.in/?p=115806)

  05Questions

## Asked about the Inflation calculator.
What is the inflation rate in India?Retail inflation is measured by CPI (Combined), published monthly by MOSPI. The RBI’s target is 4% within a band of 2% to 6%.

How much will Rs 1 lakh be worth in 20 years?At 6% inflation it buys what about Rs 31,200 buys today.

    Explore next

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      Community

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06Keep going

## Learn the idea, see it applied.

  [Module 7.3Inflation: Types, Measurement, and Investment Impact10 min read, Path 07](/learn/path-7/module-7-3-inflation-types-measurement-investment-impact)[Module 7.1How to Read the Indian Economy: Key Indicators15 min read, Path 07](/learn/path-7/module-7-1-how-to-read-indian-economy-key-indicators)[The matching indexNifty 50 Equal WeightAll 50 Nifty names, equal weight. The simplest card on the lineup.CAGR16.4%Sharpe1.13Max DD−15.7%Model, back tested, as of 27 Apr 2026. Not client returns, not a promise. Risk band: Moderate.](/strategies/nifty-50-equal-weight)

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  Education only, not investment advice. RupeeCase is a technology platform operated by QC Alpha Technologies Pvt Ltd; it is not a fund, a PMS or a SEBI registered investment adviser. Model returns are back tested and not a promise of future returns. Figures carry the date they were checked.