Inflation / Future Cost Calculator
Estimate what a cost today could become in the future under a chosen inflation assumption. This is a mathematical illustration based on the assumption you enter, not a prediction of actual future prices.
Your assumptions
Adjust the amounts below to see how the projected cost changes.
In rupees, at today's prices.
Not a forecast — pick a neutral illustrative band or enter your own assumption.
Fractional years (e.g. 2.5) are supported.
Your estimate
A cost of ₹1,00,000 today, at an assumed 6% inflation over 10 years, works out to an estimated ₹1,79,085. This is a mathematical illustration of the assumption entered, not a prediction of actual future prices.
A cost of ₹1,00,000 today, at an assumed 6% inflation over 10 years, illustrates a future cost of ₹1,79,085. This is a mathematical illustration of one assumption, not a prediction of actual future prices.
Try changing the inflation rate or the number of years to see how the illustrated future cost changes — if you're saving toward that cost, see the Required SIP Calculator next.
Learn about this calculator
Estimates what a cost today could become in the future, under a single, chosen inflation assumption.
Prices generally rise over time, so the same goods or services usually cost more in rupee terms in the future than they do today. This calculator projects a current cost forward using one constant assumed inflation rate.
How it works
It compounds the current cost forward once a year at the entered inflation rate, for the number of years (which can be fractional, e.g. 2.5) you choose.
What each input means
- Current cost
- The cost today, at today's prices.
- Assumed inflation
- A neutral rate you choose — not a forecast of actual future inflation.
- Number of years
- How many years forward to project. Fractional years (e.g. 2.5) are supported.
What the results mean
- Projected future cost
- What the current cost is projected to become, at the assumed rate, after the chosen number of years.
Assumptions
- Inflation is assumed to apply at one constant rate every year for the whole period — real inflation varies year to year and by category of expense.
Limitations
- This calculator doesn't tell you what to invest to cover the projected cost — see the Required SIP Calculator for that separate step.
- Different categories of expense (education, healthcare, general living costs) often experience different actual inflation rates than any single assumption used here.
Common mistakes
- Using a general inflation assumption for a category (like education) that has historically run higher — consider a higher, separate assumption for that specific cost.
- Treating the projected figure as a guaranteed future price rather than an illustration of one assumption.
Example
For example, ₹1,00,000 today, at an assumed 6% inflation, becomes roughly ₹1,79,000 after 10 years.
FAQ
Does this predict what things will actually cost in the future?
No. This is a mathematical illustration of what one constant inflation assumption implies — actual future prices vary and can differ substantially.
Does this tell me how much I should invest to cover this future cost?
No — this calculator only projects a cost forward. The Required SIP Calculator can separately show what a target amount could take to reach.
Once you have a future-cost figure in mind, see the Required SIP Calculator to explore what reaching that amount could take.
For illustration only. Not investment advice. Mutual fund investments are subject to market risks; read all scheme related documents carefully. Returns assumed are hypothetical and not guaranteed.