Burn rate and inflation calculator

See whether your time and money beat inflation over the next ten years, how much you could save, and what you need to improve now to hit your ten-year goal.

Money already invested in your career and skills Cash savings today (optional) Money spent per day (burn) Hours invested per day Value of one hour of your work today Work achieved (0 to 1) Ten-year goal: daily income, in today’s money

Rates (% per year)

Inflation to use

Inflation Income growth Savings return Years

Where the default rates come from

India inflation: CPI was 5.54% in September 2026 (MoSPI, 12 October 2026), and the RBI projects 5.2% for 2026-27, so 5.5% is a cautious ten-year figure. Global inflation: the IMF’s October 2026 outlook has 4.7% for 2026 and 4.1% for 2027. Income growth: Aon and Deloitte both put the average Indian pay rise for 2026 at 9.1%. Savings return: bank fixed deposits pay roughly 6.5% to 7.75% after the RBI raised the repo rate to 5.50% on 7 October 2026. These are today’s figures, not guarantees for the next ten years. This is a planning tool, not financial advice.