Every calculator you'll ever need — all free
India's most comprehensive free financial planning platform. Each calculator now has its own dedicated page with detailed guidance.
Total Cost of Your Life in India
Fill in 2 simple steps. Get your complete inflation-adjusted financial picture in seconds.
About You
Your basics help us personalise India-specific costs accurately.
Your Life Events
Tap each card to include it. Expand to set your preference and timeline.
| Life Event | Today's Cost | Future Cost |
|---|
How much does life really cost in India?
For most middle-class Indian families, the lifetime cost of major financial goals — a wedding, buying a home, raising and educating children, supporting ageing parents, building an emergency fund and saving for retirement — adds up to somewhere between ₹2 crore and ₹5 crore once you adjust for inflation. The exact number depends heavily on your city tier, lifestyle choices and how early you start investing.
LifeCost.in brings every one of these goals into a single, inflation-adjusted calculation so you can see the full picture instead of planning each goal in isolation.
India-specific inflation rates we use
- General inflation: 6%/year — used for the emergency fund and retirement expenses.
- Education inflation: 10%/year — school and college fees in India have historically risen faster than general prices.
- Medical inflation: 12%/year — healthcare is one of the fastest-rising costs.
- Real estate: 8%/year — used to project the future cost of buying a home.
- Investment return: 12%/year — the long-term historical average for diversified Indian equity mutual funds via SIP.
Why starting your SIP early matters
Because of compounding, a SIP started at age 25 can grow to nearly double the corpus of the same SIP started at 35, even though you only invest for ten extra years. The Life Cost Calculator shows the exact extra monthly SIP needed to close any shortfall — and how that number rises every year you delay. Use the SIP calculator to see this in detail.
Frequently asked questions
Yes. Every calculator is completely free, needs no sign-up, and runs entirely inside your browser, so none of your financial inputs are ever sent to a server.
Our figures use average Indian market and inflation data and standard financial formulas. They are excellent for planning, but actual costs vary. Consult a SEBI-registered financial advisor for personalised decisions.
LifeCost.in is a free financial planning suite built specifically for India. Our mission is to make professional-quality financial planning accessible to every Indian — not just those who can afford a financial advisor.