Calculate the True
Cost of Inflation
On Your Money
Discover how inflation silently erodes your savings, compare real vs nominal returns, and find exactly how much more you need to maintain your current lifestyle.
Inflation Impact Calculator
See how inflation silently erodes your money's purchasing power over time
Select a category to auto-fill its typical inflation rate, or set a custom rate:
Inflation โ The Silent Wealth Destroyer
Historical data and key benchmarks every Indian investor must know
How to Beat Inflation โ Investor's Playbook
Proven strategies to protect and grow purchasing power over time
Invest in Equity for Long-Term
Equity mutual funds historically deliver 12โ15% returns vs 6% inflation โ the only reliable way to beat inflation long-term. Even index funds outpace inflation over 10+ years.
Real Estate as Inflation Hedge
Property values and rents typically rise with or above inflation. Real estate is a natural inflation hedge, though it requires large capital and low liquidity.
Gold โ Partial Inflation Hedge
Gold preserves purchasing power over decades. Allocate 10โ15% portfolio to gold (SGBs, Gold ETFs) as an inflation buffer โ never more in a growing wealth phase.
Avoid Idle Savings Account
A 3.5% savings account earns negative real returns when CPI is 6%. Every โน1L sitting idle loses โน2,500 purchasing power every year. Put money to work.
Inflation-Index Your Goals
Never plan at today's costs. A โน50L education fund today becomes โน1.3 Cr in 10 years at 10% education inflation. Always inflate your target before calculating SIP.
Negotiate Salary Above Inflation
If your annual raise is below 6%, you're taking a real pay cut. Negotiate raises of CPI + 3โ5% minimum to maintain and grow actual purchasing power each year.
Inflation-Proofing Tips
Practical moves to protect your money from silent erosion
Inflation-Adjust Your SIP Annually
Increase your monthly SIP by at least the inflation rate every year. A 6% annual step-up ensures your investment power keeps pace with rising costs.
Use SGBs for Inflation Hedge
Sovereign Gold Bonds give 2.5% interest + gold price appreciation + tax-free maturity gains. The ultimate inflation hedge with zero risk of loss.
Calculate Real Return Always
Real Return = Nominal Return โ Inflation. A 7% FD with 6% inflation gives only 1% real return. Always evaluate investments on real returns, not nominal.
Frequently Asked Questions
Everything about inflation and protecting your purchasing power
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