Inflation-Deflation Calculator
Enter an amount, time period and a price-change rate. See what the same thing may cost later and what the same money may be worth.
See what changing prices can do to your money
Enter an amount, how many years and whether you want to test rising or falling prices.
To buy the same thing after 10 years
This is a mathematical illustration using the rate you entered.
What this means
What if the rate is a little different?
A small change each year can make a bigger difference over a long period.
See the change year by year
Both lines start with the same amount today.
See year-by-year numbers
What will this calculator tell me?
It answers two simple questions: if prices change at the rate you enter, what may the same thing cost later, and what may the same amount of money be worth in buying power?
When prices rise, this works as an inflated value calculator. When prices fall, it works as a deflated value calculator.
What does buying power mean?
Buying power means how much your money can buy.
For example, if ₹1,00,000 today becomes similar to ₹55,839 in today's money after 10 years, it means the same ₹1,00,000 may buy much less after those 10 years.
Why does inflation make the future cost bigger?
Inflation means prices are assumed to rise over time. If ₹1,00,000 grows in cost by 6% every year, the next year's calculation starts from the already higher amount.
That compounding is why a small yearly percentage can create a large difference over many years.
What is deflation?
Deflation means prices are assumed to fall instead of rise. In that situation, the future cost of the same thing becomes lower and the buying power of the same amount of money becomes higher.
Select Fall (deflation) and enter the annual rate you want to test. You do not need to type a minus sign.
Why can my own inflation be different?
Not every expense changes at the same rate. Your rent, food, education, healthcare, travel and other costs can move differently.
That is why the rate in this calculator is your assumption. Try more than one rate instead of treating one number as certain.
How is the calculation done?
For inflation, future cost is calculated as: amount today × (1 + annual rate)years.
For deflation, the price-change rate is treated as negative. Buying power is calculated in the opposite direction by dividing the amount by the same compounded price-change factor.
The calculator assumes the same annual rate for every year. Real-world inflation or deflation can change from year to year.
Important things to remember
This calculator does not use live CPI data. It uses the rate you enter.
The result is an illustration, not a prediction of future prices.
Your numbers are calculated in your browser. No phone number, email or PAN is needed.
About this result: The result uses the numbers and assumptions you enter. It is an estimate, not a prediction.