Inflation Impact Calculator

Aaj ke ₹1 lakh 10 saal baad utne kaam nahi aayenge, kyunki mehngai paise ki keemat ghata deti hai. Ye calculator batata hai ki aaj ki rakam ki asli kharch-shakti aage kitni reh jayegi, aur utni hi cheez khareedne ke liye future me kitne paise chahiye honge.

Mehngai paise ko kaise khaati hai

Mehngai (inflation) ka matlab hai cheezein har saal mehngi hoti jaati hain. Iska ulta asar ye hai ki aapke paise ki kharch-shakti ghatti jaati hai. Aaj ₹100 me jo milta hai, 10 saal baad ussе kam milega. Isliye paise ko sirf rakhna nahi, badhana zaroori hai — kam se kam mehngai se tez.

Ek misaal

Aaj ₹1 lakh, mehngai 6%, 10 saal. 10 saal baad usi ₹1 lakh ki asli keemat sirf ~₹55,800 reh jayegi. Aur aaj jo cheez ₹1 lakh me aati hai, wo tab ~₹1.79 lakh me aayegi. Yaani paisa wahi, par khareedne ki taakat aadhi. Ye dikhata hai ki paise ko sirf FD/bachat me rakhna kaafi nahi.

Isse kya seekhein

• Sirf bachat kaafi nahi — paisa aisi jagah lagayein jo mehngai se tez badhe.
• FD ka asli return dekhein — 7% FD par 6% mehngai me asli badhotri sirf ~1%.
• Lambe goal me mehngai jodein — bachche ki padhai ya retirement ka future kharcha aaj se kaafi zyada hoga.
• Cash rakhna nuksan — ghar me para paisa har saal keemat khota hai.

Mehngai ko kaise haraayein

Mehngai ko harane ke liye paisa aisi jagah chahiye jahan return mehngai se zyada ho. Lambe samay ke liye SIP aur equity aam taur par mehngai se tez badhte hain. Surakshit hisse ke liye PPF theek hai. Asli return (return minus mehngai) samajhne ke liye ye rule yaad rakhein — jo dikhta hai wo asli badhotri nahi hoti. FD vs mutual fund ki tulna yahan hai.

Aksar pooche jaane wale sawaal