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Inflation Calculator

Wealth Protection

See how inflation eats your purchasing power. Calculate the future cost of living and adjust your retirement goals.

Calculator Inputs

Live Calculation

Current Cost / Expense

₹

₹ 10K ₹ 5L

Expected Inflation Rate (p.a.)

1% 15%

Years in the Future

1 Yr 40 Yrs

Future Cost (Due to Inflation) info

₹ 0

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Current Value

₹ 0

Purchasing Power Lost

₹ 0

security Local Math Engine

All calculations run completely inside your browser sandbox using highly optimized client-side JS compiled scripts. No financial data is ever transmitted to our servers.

Formula Details

How the math works

Equated Monthly Installments (EMI) are calculated using the standard reducing balance amortization model.

EMI = P × r × [((1 + r)^n) / ((1 + r)^n - 1)]

EMI

Equated Monthly Installment

Principal Loan Amount borrowed

Monthly interest rate (Annual Rate / 12 / 100)

Total loan repayment tenure in months (Years × 12)

Reference Deck

Standard Benchmarks

Sample projections under common configurations.

Scenario	Short-Term	Medium-Term	Long-Term
₹20 Lakh Home Loan (8.5% p.a.)	10 Yrs EMI: ₹24,797	15 Yrs EMI: ₹19,695	20 Yrs EMI: ₹17,356
₹50 Lakh Home Loan (8.5% p.a.)	10 Yrs EMI: ₹61,993	15 Yrs EMI: ₹49,237	20 Yrs EMI: ₹43,391
₹5 Lakh Personal Loan (12% p.a.)	3 Yrs EMI: ₹16,607	5 Yrs EMI: ₹11,122	7 Yrs EMI: ₹8,812

FAQs

Compliance & Calculations

What is reducing balance amortization? expand_more

Reducing balance amortization means that interest is calculated only on the remaining outstanding principal amount, not the initial loan principal, saving you massive interest charges over the tenure.

How can I reduce my total loan interest liability? expand_more

You can reduce your total interest liability by opting for a shorter tenure, making regular part-prepayments, or using balance transfer facilities to switch to a lower interest rate.

Does prepaying my home loan attract penalties in India? expand_more

Under RBI regulations, individual borrowers with floating interest rate home loans do not attract any prepayment penalties from banks or financial institutions.

Understanding Inflation

Inflation is the silent killer of wealth. It is the rate at which the general level of prices for goods and services is rising, and, consequently, the purchasing power of currency is falling.

The Rule of 72 (Inflation Edition)

You can use the Rule of 72 to quickly estimate how long it will take for your money's value to halve (or for prices to double) at a given inflation rate.

Years to Double Prices = 72 ÷ Inflation Rate

For example, if inflation is 6%, prices will double in exactly 12 years (72 ÷ 6). A ₹50,000 monthly lifestyle today will cost ₹1,00,000 in just 12 years.

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