Calculate how inflation affects your purchasing power over time. See future equivalent amounts, real value loss, and year-by-year breakdown. Pure client-side, instant results.
This inflation calculator helps you understand how rising prices erode your purchasing power over time. Enter any amount, inflation rate, and time period to see the future equivalent amount needed to maintain the same purchasing power, and how much your current money will be worth in the future. All calculations happen instantly in your browser — no data is sent anywhere.
Purchasing power is the amount of goods and services that one unit of money can buy. As inflation rises, the same amount of money buys fewer goods and services — your purchasing power decreases.
The calculator uses compound growth formulas: Future Equivalent = Current Amount × (1 + rate)^years shows how much you will need in the future to buy the same things. Current Amount Future Value = Current Amount / (1 + rate)^years shows how much your current money will actually be worth in the future.
Central banks typically target around 2% annual inflation. However, real-world inflation can vary significantly — from near 0% in some periods to over 7-8% during high inflation years. The calculator lets you use any rate to model different scenarios.
Common strategies include investing in assets that historically outpace inflation (stocks, real estate), using inflation-linked bonds (TIPS), increasing income through raises or side income, and diversifying investments across different asset classes.