Skip to content
FreeFinance

What money is worth over time

Why is ₹1,00,000 today not ₹1,00,000 in ten years, and what does that actually cost you?

4 steps · Foundations

The path

  1. Read

    India has an official inflation number. It is 4%

    Start with the number every other number on this site is measured against.

  2. Calculate

    Inflation Calculator

    Put your own figure in and see what it becomes. It lands harder than any explanation of it.

  3. Read

    Real returns — why you divide, not subtract

    A 9% return with 6% inflation is not a 9% return. This is the subtraction that decides whether you gained anything.

  4. Quiz

    Personal Finance quiz

    Six questions, to check the idea stuck before you build on it.

Ticks are kept in this browser, on this device, and are never sent to us — so they will not follow you to another device, and clearing your browser storage clears them. You can erase them yourself from the module list.

After this one

How growth compounds, and how it is measured

Why does the last decade of an investment contribute more than the first two, and which growth number should you believe?