// calculator

Inflation

See how much purchasing power your money loses over time and whether the return on your savings is enough to beat inflation.

10 years

The link will include the values you entered. Only share it with people you want to see them.

Purchasing power if not invested

—

—

You will need

—

—

Real return

—

Invested savings

—

Versus not investing

—

Purchasing power in today’s euros

  • Not invested
  • Invested
  • Current amount

How we calculate

Inflation compounds every year. The amount needed in the future is amount × (1 + inflation)^years, and the purchasing power of uninvested money is amount ÷ (1 + inflation)^years.

The real return comes from the Fisher equation: (1 + nominal return) ÷ (1 + inflation) − 1. If it is negative, your savings lose purchasing power even while the balance grows.

The chart and statistics show both scenarios in today’s euros, so they compare directly with the starting amount.

Inflation and returns are assumed constant every year, with no taxes or fees. Educational use only, not financial advice.