Inflation Calculator (महंगाई कैलकुलेटर)
💡 2 Minute Summary (Busy Logo Ke Liye)
Kya hai: Inflation Calculator batata hai ki aaj ka paisa future mein kitni purchasing power rakhega.
Aankhen kholne wali baat: Aaj ka ₹1,00,000 20 saal baad sirf ~₹31,000 ke barabar reh jata hai (6% inflation).
Kisko chahiye: Har salary earner, parent, investor aur retirement planner ko.
Vivek Bhai Tip: Inflation ko haraya nahi, toh paisa sirf number bank mein dikhega – value nahi.
What is Inflation?
Inflation ka matlab hota hai mahngai – yaani time ke saath cheezon ke daam badhna. Jo cheez aaj ₹100 mein mil rahi hai, wahi 10–15 saal baad ₹200 ya ₹300 ki ho jati hai.
Problem ye nahi hai ki prices badhte hain. Problem ye hai ki hamari salary aur savings us speed se nahi badhti. Isi wajah se log 20 saal job karne ke baad bhi kehte hain – “paise toh kam hi pad gaye”.
1995 mein movie ticket ~₹25 ki thi. Aaj wahi ticket ₹250+ hai. Ye inflation hai.
Why Inflation is the Real Enemy of Savings?
Log sochte hain paisa safe jagah rakh liya – FD, savings account, locker. Lekin inflation chup-चाप us paisa ko kha jata hai.
Agar aapka paisa 4% se grow kar raha hai aur inflation 6% hai, toh aap har saal 2% gareeb ho rahe ho – bina realize kiye.
Hard Truth: Zero risk saving = guaranteed loss (inflation ke baad).
How Inflation Calculator Works?
Inflation Calculator compound formula par kaam karta hai. Ye calculate karta hai ki future mein same lifestyle maintain karne ke liye kitna paisa chahiye hoga.
Eye-Opening Example: Today vs 20 Years Later
📈 Aaj ka ₹1,00,000
Inflation Rate: 6%
Time: 20 Years
Future Value Needed: ₹3,20,000 approx
Matlab aaj ke ₹1 lakh ki power 20 saal baad sirf 31,000 ke barabar reh jayegi.
Ramesh vs Suresh: Inflation Reality Story
Ramesh ne socha FD kaafi hai. Suresh ne equity SIP start ki.
| Detail | Ramesh (FD) | Suresh (Equity) |
|---|---|---|
| Return | 5% | 12% |
| Inflation | 6% | 6% |
| Real Growth | Negative | Positive |
20 saal baad Ramesh ka paisa number mein bada tha, lekin lifestyle weak. Suresh real terms mein aage nikla.
Inflation in Daily Life Categories
| Category | Avg Inflation |
|---|---|
| Education | 8–10% |
| Healthcare | 10–12% |
| Food | 6–7% |
| Housing | 7–9% |
Why FD Fails Against Inflation?
FD aapko security ka illusion deti hai. Real mein FD sirf capital protect karti hai, purchasing power nahi.
FD = safety of money, not safety of lifestyle.
How to Beat Inflation?
✔ Equity Mutual Funds (long term)
✔ SIP + Lumpsum combination
✔ Skill upgrade (income inflation se tez badhao)
✔ Inflation-linked planning
Inflation & Retirement Planning
Agar aaj aapka monthly expense ₹30,000 hai, toh 25 saal baad same lifestyle ke liye ~₹1.3 lakh chahiye hoga (6% inflation).
Isi wajah se retirement ka planning bina inflation ke complete hi nahi hota.
Common Inflation Mistakes Indians Make
❌ FD ko retirement solution samajhna
❌ Inflation ko ignore karna
❌ Nominal returns par khush ho jana
Expert Tips (Vivek Bhai Style)
✔ Paisa bachana hi kaafi nahi, paisa badhana bhi zaroori hai
✔ Inflation invisible tax hai – har saal lagta hai
✔ Planning real value mein karo, sirf numbers mein nahi
❓ FAQ – Inflation Calculator
Q1. India ka average inflation kitna hota hai?
Long term average 5–6% ke aas-paas mana jata hai, lekin education aur healthcare mein zyada hota hai.
Q2. Inflation fixed hoti hai?
Nahi. Ye har saal change hoti hai. Calculator average assume karta hai.
Q3. Inflation negative ho sakti hai?
Theory mein possible hai (deflation), lekin India mein rare hai.
Q4. Inflation calculator ka use kaun kare?
Salary earners, parents, investors, retirees – sabko.
Q5. Inflation se bachne ka best tareeka?
Long term equity exposure + discipline + time.
Be the first to comment!