Inflation Calculator - Protect Your Money's Value (2024)

Shocking Fact: At 6% inflation, ₹1 lakh today will be worth only ₹54,000 in 10 years and ₹29,000 in 20 years!

What is Inflation?

Inflation measures how prices for goods and services rise over time, reducing your money's purchasing power. India's average inflation has been 6-7% over the past decade.

How Inflation Affects Common Expenses

Education

10-12% inflation

₹5L college fee becomes ₹16L in 10 years

Healthcare

8-10% inflation

₹10K hospital bill becomes ₹26K in 10 years

Real Estate

6-8% inflation

₹50L home becomes ₹1.1Cr in 10 years

Inflation Calculation Formula

Future Value = Present Value × (1 + Inflation Rate)^Years

Example:
₹1,00,000 at 6% inflation for 5 years:
₹1,00,000 × (1 + 0.06)^5 = ₹1,33,823

Inflation Calculator

How to Beat Inflation in 2024

1. Equity Investments

Stocks/MFs historically return 12-15% - beating 6-7% inflation. ₹10,000/month at 12% for 20 years grows to ₹1 crore.

2. Real Assets

Real estate (6-8% appreciation + rental yield) and gold (7-10% long-term) preserve purchasing power.

Historical Inflation Rates in India

Year Average Inflation ₹1L Value After 5 Years
2020-2023 6.2% ₹73,500
2015-2019 4.8% ₹78,400
2010-2014 9.5% ₹62,400

Pro Tip: For retirement planning, assume 6% inflation and 12% returns. ₹50,000/month today would require ₹1.6 lakhs/month after 20 years to maintain the same lifestyle.

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