Inflation
Assumptions
Future cost = amount × (1 + inflation)^years; today's value divides instead. The category shows the planning rate this tool uses as a convention for that kind of cost; you set the rate actually applied. Historical CPI figures in the results are national annual averages and are shown for comparison only.
Rules: CPI to July 2026, reviewed 2026-09-11.
MOSPI · CPI press release, July 2026
Estimates are not personalised financial advice. Review assumptions before use.
Future cost of today's amount
Based on your inputs. Not guaranteed. Exact amount: ₹1,79,085.
When today's amount changes by a multiple
Milestones are read from the annual schedule at your assumed rate.- 1.5× the cost₹1.5 lakhYear 7
- 2× the cost₹2 lakhNot within the period
- 3× the cost₹3 lakhNot within the period
Milestones are read from the annual schedule at your assumed rate.
View detailed breakdown
Contributions are money added during the year; growth is the change generated by the assumed return.
Why show a category rate?
Education and healthcare have run above headline inflation. The rate applied is yours; the category rate is a planning convention.
Detailed results
| Result | Value |
|---|---|
| Future cost of today's amount | ₹1.79 lakh |
| Multiple of today's amount | 1.79 × |
| Reference planning rate for this category | 6 % |
| Ten-year CPI average (2016–2025) | 4.72 % |
| Latest CPI print (July 2026 (base 2024)) | 4.45 % |
The rate applied is the one you entered; the category rate and CPI figures are references from the rule registry, not forecasts.
Schedule
| Year | Opening balance | Contributed | Growth | Closing balance |
|---|---|---|---|---|
| 1 | ₹1 lakh | ₹0 | ₹6,000 | ₹1.06 lakh |
| 2 | ₹1.06 lakh | ₹0 | ₹6,360 | ₹1.12 lakh |
| 3 | ₹1.12 lakh | ₹0 | ₹6,742 | ₹1.19 lakh |
| 4 | ₹1.19 lakh | ₹0 | ₹7,146 | ₹1.26 lakh |
| 5 | ₹1.26 lakh | ₹0 | ₹7,575 | ₹1.34 lakh |
| 6 | ₹1.34 lakh | ₹0 | ₹8,029 | ₹1.42 lakh |
| 7 | ₹1.42 lakh | ₹0 | ₹8,511 | ₹1.5 lakh |
| 8 | ₹1.5 lakh | ₹0 | ₹9,022 | ₹1.59 lakh |
| 9 | ₹1.59 lakh | ₹0 | ₹9,563 | ₹1.69 lakh |
| 10 | ₹1.69 lakh | ₹0 | ₹10,137 | ₹1.79 lakh |