Inflation Impact Calculator — real value of your savings

Today's amount + inflation rate + years = future purchasing power, with the 'hidden loss' made visible.

Quick answer: See what today's savings will actually buy in 1–30 years at any inflation rate, and the yearly amount needed to preserve purchasing power. Plain math, instant, private.

Real value later
Purchasing power lost
Years to halve

How to use

  1. Enter today's amount, expected inflation, and years.

General information only — not medical, financial or legal advice. Figures cross-checked against public official sources (IRS / HMRC / NHS / WHO guidance) as of 2026-08. For decisions that matter, confirm with a licensed professional in your country.

About this tool

Purchasing power decays geometrically: real value = amount ÷ (1 + inflation)^years. At 6% inflation, money halves in buying power roughly every 12 years (rule of 72). This tool shows the curve year-by-year and the annual return your savings must beat just to stand still — the number banks rarely volunteer.

FAQ

What rate should I use?
Your country's central-bank target (2–3%) is optimistic; recent actuals in many markets ran 6–30%. Test both.
How do I beat it?
The required return shown is the bar — savings accounts below it lose real value every year.

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