Inflation-adjusted Returns Calculator
See the real purchasing power of your investment after inflation — because 10% returns at 6% inflation is only 4% real growth.
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How this calculator works
Inflation silently erodes your wealth. A corpus of ₹1 crore in 2044 will buy what ₹30–40 lakhs buys today (at 6% average inflation). This calculator shows both your nominal returns and the real, inflation-adjusted value of your money.
Real Return = [(1 + Nominal Rate) / (1 + Inflation Rate)] − 1 | Real FV = Nominal FV / (1 + Inflation)^years
Last updated: March 2026 · Rates and slabs updated for FY 2025-26
Beat 6% or you lose
India's long-run CPI inflation is ~5–6%. Any investment returning less than this in real terms is losing value.
Equity beats inflation
Over 10+ year periods, equity mutual funds have historically delivered 4–6% real returns above inflation.
FDs often lose
A 7% FD in a 6% inflation environment gives just 1% real return — and that 7% is fully taxable.
Frequently Asked Questions
India's long-run CPI inflation is ~5–6%. Any investment returning less than this in real terms is losing value.
Over 10+ year periods, equity mutual funds have historically delivered 4–6% real returns above inflation.
A 7% FD in a 6% inflation environment gives just 1% real return — and that 7% is fully taxable.