Not because of India's CPI. Because of where inflation lives in your specific lifestyle. Your travel inflates at 9%. Your groceries inflate at 5%. Most calculators don't know the difference.
Enter your spending by category · Get your personalised projection
Enter your current annual spending in each category. Monthly amounts work too — just be consistent across all rows.
Monthly rent or home loan EMI — stable, tracks local real estate
Food, vegetables, household supplies — tracks India CPI closely
Electricity, gas, internet, fuel for daily travel
Restaurants, food delivery, movies, events — partially tech-influenced
Clothing, gadgets, home goods, subscriptions — tech keeps this moderate
Flights, hotels, vacations — priced globally. Highest inflation category.
Fine dining, events, clubs, memberships — experience economy pricing
Insurance premiums, consultations, medicines — follows global medical inflation
School / college fees, courses, advisory — scarcity-driven pricing
Inflation rates by category
Pre-filled with our house view. Change anything you disagree with.
Why these rates? Essentials (5%) track India CPI. Lifestyle (6%) is partly suppressed by technology and competition. Experiences and travel (9%) price globally — airlines and hotels don't care about India's CPI. Healthcare (10%) follows global medical cost trends. For an urban HNI, blended lifestyle inflation is 7–8%, not the 4–5% headline.
These adjustments modify the experience/travel inflation rate.
← Go back to Step 1 and enter your spending
| Category | Today | Inflation | Future | Share |
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Most inflation calculators apply one number to everything you spend. That's wrong. The calculator above applies a category-specific rate to each part of your life — because that's how inflation actually works.
Technology does suppress some costs — but not the ones that matter most for a premium lifestyle.
Experiences are scarce by nature. Technology doesn't make a Maldives resort cheaper or a business class seat more affordable.
India's official CPI weights cooking oil and public transport heavily. If your spending is primarily in experiences and healthcare, the CPI is almost irrelevant to your personal inflation rate. You need to model your basket, not the national average.
If your corpus grows at 10% and your lifestyle inflates at 7–8% blended, your real return is only 2–3%. That's a thin margin. One concentrated sector bet or one sequence-of-returns shock, and your lifestyle can degrade faster than any simple calculator warned you.
Whether it's a house, a car, your child's education, or starting a business — the same framework applies: know the amount, the timeline, and the monthly SIP needed.
With 20 years to retirement, here is what your target corpus looks like — and the monthly SIP to get there.
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