Tools
Fileraz
Tools
Fileraz
Try jpg to png, compress image, pdf…
Finance & Money Calculator
Illustrative math, reviewed October 2026 — not financial, tax, or legal advice. Verify rates and slabs before you sign or file.
Your files never leave your device
Check your Network tab and see
Work starts the moment you drop a file
No daily limit, no sign-up, no watermark
The tool discounts a future amount by inflation over your years to show its value in today's purchasing power: real value = amount ÷ (1 + rate)^years. ₹10,00,000 ten years out at 6% inflation is worth only ≈ ₹5,58,395 today — nearly half the purchasing power quietly gone. It also reports the real return once inflation is stripped from a nominal one.
Enter the future sum, the years, and one constant assumed rate — a long-run average works as a default, but use a higher rate for goals like education or healthcare that inflate faster than headlines. Then flip the question: if a lumpsum projects ₹50 lakh nominal, what must you actually accumulate to hold today's spending power? That gap is the number worth planning around.
It does not predict inflation, separate baskets like rent vs food, or model salary growth alongside prices — it discounts at the one constant rate you assume.
Illustrative math only — not financial advice or a bank quote.
Tax and statutory rules change; verify with a professional.
Nominal return is the headline growth rate; real return is what is left after inflation. A 10% nominal return with 6% inflation is roughly a 4% real gain in purchasing power.
A long-run average for your country is a reasonable default, but use a rate that reflects the goal you are planning for.
Because most projections quote nominal future rupees. Dividing by inflation restates the goal in rupees you understand today — which is the correct way to judge whether the corpus is enough.
That is the promise behind every tool here. Files are read in your browser tab, processed there, and discarded when you close it — never uploaded to our servers.