Inflation Calculator
Calculate the future cost of goods and services due to inflation. See how much your money's purchasing power decreases over time in India.
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Years
* அனைத்து கணக்கீடுகளும் தோராயமானவை.
முக்கியம் — முடிவெடுக்கும் முன் படியுங்கள்
- India's average CPI inflation has been around 5–7% over the past decade, but it has spiked above 10% during periods like 2013 and 2020–2022
- Food inflation in India is often much higher than core inflation — essentials like vegetables, pulses, and cooking oil can see 10–15% annual price increases
- The RBI targets a CPI inflation rate of 4% (with a tolerance band of 2–6%) under its inflation targeting framework introduced in 2016
- Fixed deposit returns of 6–7% barely keep pace with inflation, meaning your real returns after inflation can be close to zero
- Real return is your investment return minus inflation — a 10% return with 6% inflation gives you only about 4% real growth in purchasing power
- Inflation disproportionately impacts retirees on fixed income, as their expenses rise every year while their income remains the same
- Education inflation in India runs at 10–12% annually — the cost of a college degree doubles roughly every 6–7 years
- Healthcare inflation in India is estimated at 10–14% per year, making medical expenses one of the fastest-growing cost categories
இவற்றை புறக்கணித்தால் என்ன நடக்கும்?
- Keeping large amounts in savings accounts earning 3–4% means you are losing purchasing power every single year
- Not accounting for inflation in long-term goals (retirement, education, home purchase) leads to significant shortfalls
- Inflation turns today's comfortable salary into an inadequate income over 15–20 years if not matched by career growth
- Fixed-income instruments like FDs and bonds may preserve capital but erode real wealth over long periods of high inflation
புத்திசாலி குறிப்புகள்
- Always calculate your financial goals in future value — use inflation-adjusted numbers, not today's costs
- Invest in equity mutual funds or index funds for long-term goals to earn returns that comfortably beat inflation
- Use inflation-indexed bonds (like RBI's Sovereign Gold Bonds or IINSS-C) as a hedge against rising prices
- Review and increase your SIP contributions annually by at least the inflation rate to maintain real savings growth
- Keep only 3–6 months of expenses in savings accounts — invest the rest in instruments that beat inflation
- For education planning, use 10–12% inflation instead of the standard 6% to get a more accurate future cost estimate
அடிக்கடி கேட்கப்படும் கேள்விகள்
மேலும் நிதி கருவிகள்
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