📈 Inflation Calculator

Quick Rate Presets (2026 data)

🇮🇳 India Apr 2026 3.48%

🇮🇳 India FY2025 avg 2.09%

🇮🇳 India 10yr avg 5.5%

🇺🇸 US Apr 2026 3.8%

🇺🇸 US 2025 avg 2.6%

🎯 RBI Target 4.0%

Amount (₹)

Annual Inflation Rate

Number of Years

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📊 Year-wise Purchasing Power Erosion

Starting Amount (₹)

Annual Inflation Rate

Year	Future Cost	Today's Real Value	Purchasing Power Lost	Cumulative Inflation

🛒 Everyday Goods Price Tracker

Approximate prices based on India market data. Projected at India 10-year average ~5.5% inflation.

ITEM 2016 (approx.) 2026 (approx.) 2036 @ 5.5%

* Prices are approximate averages. Actual prices vary by city, brand, and quality. Gold price is per 10g 22K.

🌍 India CPI Inflation History

Source: Ministry of Statistics (MOSPI) — All India Consumer Price Index (Base 2012=100)

Period	India CPI (YoY)	Food Inflation	Core CPI	Note

🇺🇸 US CPI Inflation History

Period	US CPI (YoY)	Core CPI	Note

📐 How Inflation Is Calculated

Future Value Formula

Future Value = Present Value × (1 + inflation rate)^years Example: ₹1,00,000 today at 3.48% (India CPI Apr 2026) for 10 years FV = 1,00,000 × (1.0348)^10 = 1,00,000 × 1.4082 = ₹1,40,823 At long-term avg 5.5%: FV = 1,00,000 × (1.055)^10 = ₹1,70,814

Purchasing Power / Real Value (Past Value Mode)

Real Value = Nominal Amount / (1 + inflation)^years Example: ₹1,00,000 promised 10 years from now At 3.48% inflation: Real Value = 1,00,000 / (1.0348)^10 = ₹71,000 today Purchasing Power Lost = ₹1,00,000 - ₹71,000 = ₹29,000

Rule of 72 — When Does Money Halve?

Years to halve purchasing power = 72 / inflation rate At 3.48% (India Apr 2026): 72 / 3.48 = ~20.7 years At 5.5% (India 10yr avg): 72 / 5.5 = ~13.1 years At 3.8% (US Apr 2026): 72 / 3.8 = ~18.9 years At 4.0% (RBI target): 72 / 4.0 = 18.0 years Note: India's long-term average inflation ~5-6% means purchasing power halves roughly every 12-14 years.

India CPI — New Weights (2026 Revised Series)

India updated CPI basket weights in 2025-26 based on Household Consumption Expenditure Survey (HCES): Food & Beverages: ~35% (reduced from ~46%) Housing: ~10% Fuel & Light: ~7% Clothing & Footwear: ~7% Health: ~6% Education: ~5% Transport: ~8% Other: ~22% Result: Lower food weight means food price spikes have less impact on headline CPI now. That is why 2025 CPI is much lower than 2022-23 levels.

❓ Frequently Asked Questions

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📈 Inflation Calculator