Inflation Adjusted Lifestyle Maintaining-Inator
it calculates the exact future amount you'll need to maintain your current lavish lifestyle of eating cereal straight from the box and binge-watching reruns!
Inflation Reality
To maintain the same lifestyle, you will need:
Your money loses 68% of its purchasing power over this period.
What Is Inflation-Adjusted Lifestyle Maintenance?
Inflation-Adjusted Lifestyle Maintenance means calculating how much money you need today to sustain your current lifestyle in the future, accounting for rising costs due to inflation.
It helps you plan retirement or long-term goals so your savings keep pace with increasing prices, ensuring you don't outlive your money.
How Inflation Affects Your Future Expenses
Inflation erodes purchasing power over time — the same lifestyle that costs ₹10 lakh today may cost much more in 20 years.
Future Value = Present Expenses × (1 + Inflation Rate)^Number of Years
Example: If your current annual expenses are ₹12 lakh and inflation is 6% per year, in 20 years you’ll need approximately ₹38.5 lakh annually to maintain the same lifestyle.
This Is About Future-Proofing Your Freedom
Knowing your inflation-adjusted number gives you clarity and control over your financial independence journey.
Who Should Use This Calculator?
- Retirement Planners Anyone preparing for a comfortable retirement without lifestyle cuts.
- FIRE Aspirants People pursuing early retirement who want to account for rising costs.
- Long-Term Goal Setters Planning for child education, home purchase, or financial independence.
Limitations of Inflation Projections
Inflation rates can vary significantly over time; historical averages are not guarantees of future rates.
Frequently Asked Questions
What is the average inflation rate in India? ▼
Long-term average is around 6-7%; recent years have been 5-8%.
How much should I save for retirement? ▼
Aim for 25-30x your current annual expenses, then inflate it forward.
Is inflation the only factor? ▼
No — healthcare costs, taxes, and lifestyle changes also play a big role.