Common questions
What inflation rate should I use for India?
India's CPI inflation has averaged around 5–6% over the last decade. Urban lifestyle inflation (healthcare, education, eating out) tends to run higher — 7–8% for some categories. A conservative planning assumption for monthly expenses is 6%; for healthcare specifically, use 8–10%.
Why does this matter for my investments?
If your FD earns 7% and inflation is 6%, your real return is only about 1%. This is why equity investments — which historically beat inflation by 5–7% annually — are essential for long-term wealth. Your portfolio needs to at least keep pace with inflation.
How do I use this for retirement planning?
Start here: enter your current monthly expenses. The result tells you what those same expenses will cost at your retirement age. Then use our
Retirement Corpus Calculator with that inflated number to find out how big a nest egg you'll need.
Does Worthly account for inflation in goal planning?
Yes. When you set a goal in Worthly with a target year, it adjusts your target amount for inflation automatically.
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