Inflation doesn't take your rupees — it shrinks what each one buys. See what today's money will be worth years from now, and what tomorrow's prices really look like.
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The steady rise in the price of everyday things — food, rent, fees, fuel. As prices climb, each rupee buys a little less. A ₹100 thali that costs ₹100 today might cost ₹240 in fifteen years. Your rupees didn't vanish; their purchasing power did.
India's consumer inflation has averaged roughly 5–6% a year over the long run. That's the default this calculator starts with.
The same compounding as investing — running the other way:
Where i is the inflation rate and n is the number of years. One line tells you what a thing will cost; the other tells you what today's cash will be worth.
You need a return that's higher than inflation — what's left over is your "real" return. A savings account at 3% while inflation is 6% is a real return of roughly minus 3%: you're slowly losing ground while the balance looks like it's growing.
Beating inflation over the long run is the whole reason for equity SIPs. Run a SIP, or talk to Archita about a real-return plan.