Inflation ne kha liya salary: ₹5 lakh 2018 mein jo tha woh 2024 mein ₹3.8 lakh hai

Inflation Reality Check: 2018 salary: ₹5,00,000 2024 salary: ₹6,50,000 Nominal increase: 30% Inflation (2018-2024, avg 6%): ₹5,00,000 × 1.06^6 = ₹7,09,000 Real salary (in 2018 terms): ₹6,50,000 / 1.06^6 = ₹4,58,000 Real increase: -8.4%! Inflation calculator mein: Milk 2018: ₹48/litre → 2024: ₹60/litre (+25%) Onion 2018: ₹30/kg → 2024: ₹50/kg (+67%) Rent 2018: ₹12,000 → 2024: ₹18,000 (+50%) Petrol 2018: ₹78/litre → 2024: ₹100/litre (+28%) School fees 2018: ₹2,500/month → 2024: ₹4,500/month (+80%) My monthly basket 2018: ₹25,000 Same basket 2024: ₹38,000 (+52%) Agar salary 6% badhti: 2018: ₹5,00,000 2024: ₹7,09,000 (only then real growth) Actual: ₹6,50,000 Gap: ₹59,000/year lost to inflation

Inflation calculator use karein. Apni salary ya income ko 5 saal pehle se compare karein. Real growth ya real decline pata chalega. Salary negotiation mein inflation data use karein. "Meri salary badhi nahi, inflation badha" yeh point HR ko samajh aata hai. Investment returns ko bhi inflation se adjust karein. FD 7% return - 6% inflation = sirf 1% real return.

Sabse badi galti: Nominal salary dekh ke khush ho jana. 30% badhi lekin inflation ne 42% kha liya. Real mein -8.4%. Doosri galti: FD ko "safe investment" samajhna. 7% FD return - 6% inflation - tax = almost zero real return. Teesri galti: Past prices yaad na rakna. Inflation silently paisa khaata hai. 5 saal pehle ka grocery bill nikal ke compare karein.