Time Value of Money Calculator (Compound Interest & Inflation)

Time Value of Money Calculator

Time Value of Money

One math, two perspectives. Compound Growth shows what your money grows to. Inflation Erosion shows how much purchasing power you lose. Switch modes to see both sides of the same equation.

principal
₹
return rate
% p.a.
years

Methodology. Compound interest: A = P × (1 + r/n)^(n×t), with n = compounding frequency per year. Inflation: Future cost = P × (1+i)^t (annual compounding). Purchasing power = P ÷ (1+i)^t. Same underlying math — one shows growth, the other shows erosion. India long-term inflation: ~6% (CPI). Real returns = nominal rate – inflation rate.