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.
Asli keemat = Aaj ki rakam ÷ (1 + mehngai)^saal
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.
Aapki apni mehngai, sarkari aankde se alag hoti hai
Khabar me mehngai dar 5-6% bataayi jaati hai, par ghar ka kharcha usse tez badhta mehsoos hota hai. Dono baatein sahi ho sakti hain.
Sarkari aankda ek badi list par ausat hota hai jisme kapda, joota, transport, sab kuch shamil hai. Aapki apni mehngai us par tiki hai ki aapka paisa kis cheez me jaata hai:
- School fees aur coaching — aam taur par ausat mehngai se kaafi tez badhti hai. Do-teen bacche padh rahe hain to aapki asli mehngai bahut upar hai.
- Ilaaj aur dawaiyan — yahan bhi badhotari tez rehti hai, aur budhape me kharcha aur badhta hai.
- Makan ka kiraya — sheher par nirbhar, par bade shehron me tezi se badhta hai.
- Electronics — yahan aksar keematein girti bhi hain.
Retirement ka lakshya isi wajah se badla hua dikhta hai
Mehngai ka sabse bada asar retirement par padta hai, kyunki wahan samay sabse lamba hota hai.
Aaj ke ₹40,000 mahine me ghar chal jaata hai. 25 saal baad, 6% mehngai par, usi jeevan shaili ke liye lagbhag ₹1.7 lakh mahina chahiye hoga. Ye number pehli baar dekhne par asambhav lagta hai — par yahi asli lakshya hai.
Isse do saaf sabak nikalte hain:
- Sirf "surakshit" jagah kaafi nahi. Jahan return mehngai ke aas-paas ho, wahan paisa badhta dikhta hai par kharidne ki taakat wahi rehti hai. Ek hissa aisi jagah bhi hona chahiye jo lambe samay me mehngai se aage nikle.
- Nivesh har saal badhaiye. Jo SIP aaj ₹5,000 ki hai, wo 10 saal baad utni badi nahi rahegi. Har saal 10% badhana mehngai ka seedha jawab hai — iska hisaab Step-up SIP Calculator me dekh sakte hain.
Poore retirement ka lakshya nikaalne ke liye Retirement Calculator aur samajhne ke liye FIRE guide isi site par hain.
Aaj ke Rs 1 lakh kal kitne reh jaayenge
6% mehngai par aaj ke Rs 1 lakh ki kharidne ki taakat aage aise girti hai:
| Saal baad | Asli keemat | Kitna kho diya |
|---|---|---|
| 5 | Rs 74,700 | 25% |
| 10 | Rs 55,800 | 44% |
| 15 | Rs 41,700 | 58% |
| 20 | Rs 31,200 | 69% |
| 25 | Rs 23,300 | 77% |
Aksar pooche jaane wale sawaal
Mehngai se paise ka kya hota hai?
Har saal cheezein mehngi hoti hain, isliye paise ki kharch-shakti ghatti hai. Aaj ke ₹1 lakh 10 saal baad kam value ke ho jaate hain.
Kitni mehngai maanein?
India me aam taur par 5-7% saalana. Lambe goal ka hisaab lagate waqt 6% ke aas-paas maanna theek rehta hai.
FD mehngai se bachati hai?
Aksar bahut kam. 7% FD par 6% mehngai me asli badhotri sirf ~1%. Isliye poora paisa FD me rakhna lambe samay me nuksan.
Mehngai kaise haraayein?
Paisa aisi jagah lagayein jo mehngai se tez badhe — lambe samay ke liye SIP/equity. Surakshit hisse ke liye PPF.
Calculator me kitni mehngai dar daalein?
Ye aapke kharche par nirbhar hai. Aam kharche ke liye 6% theek hai, par agar bada hissa school fees aur ilaaj me jaata hai to 8-9% daalkar dekhiye — wo aapke liye zyada sach hoga.
Retirement ke baad bhi mehngai ka asar rehta hai?
Haan, aur wahi sabse khatarnak hai. 60 saal par jo rakam kaafi lagti hai, 75 saal tak uski keemat kaafi ghat chuki hoti hai. Isliye poora paisa sirf ek hi jagah rakhna theek nahi.
Is page ke number aur niyam in sarkari/official jagah se liye gaye hain. Dar aur rules badalte rehte hain, isliye kisi bhi bade faisle se pehle seedha yahan ek baar dekh lein: