Inflation Calculator

See what money today will cost after inflation, or what a future sum is worth today.

Calculate

Amount Today

Annual Inflation Rate (%)

Time Period (Years)

Future Cost

179,085

What the same purchases will cost after inflation

Shows what an amount today will cost in the future at a given inflation rate — the sum you will need then to buy what that amount buys now. It also works the other way: what an amount you will receive in future is worth in today's money.

Understanding the result

The future cost is not money you will have; it is money you will need. If your savings or salary grow slower than inflation, their buying power falls.

The value in today's money is what a future sum — a maturity amount, a pension, a payout — will buy, priced as things cost now.

Use it to set goals in future rupees — a child's education, retirement expenses — before working out how much to invest.

How to use it

Choose Future cost and enter an amount today, or Value today and enter a future amount. Then enter the annual inflation rate in percent and the time period in years. The values carry no currency, so it works for any country's inflation.

How it works

Inflation compounds yearly at a constant rate; a value today is the future amount with that growth taken out. The result is rounded to a whole number. Real inflation varies year to year; use a long-run average for long periods.

Future cost = Amount today × (1 + Inflation ÷ 100)ʸᵉᵃʳˢ

Value today = Future amount ÷ (1 + Inflation ÷ 100)ʸᵉᵃʳˢ

Examples

100,000 over 10 years at 6%

What 100,000 buys today will cost about 179,085 in 10 years.

100,000 received in 10 years, at 6%

100,000 paid in 10 years will buy what 55,839 buys today.

What 100,000 today will cost

Future cost of 100,000 by annual inflation rate and years

Inflation	5 years	10 years	20 years	30 years
3%	115,927	134,392	180,611	242,726
4%	121,665	148,024	219,112	324,340
5%	127,628	162,889	265,330	432,194
6%	133,823	179,085	320,714	574,349
7%	140,255	196,715	386,968	761,226