Inflation Adjusted Calculator
What will your money be worth in the future? This calculator shows the impact of inflation on savings, investments, and income — so you can plan for real purchasing power.
Inflation Adjusted Calculator
See how inflation erodes your purchasing power over time
Milestones
Calculates real purchasing power using the formula: Future Value = Amount / (1 + inflation)^years. The Rule of 72 estimates how long it takes for prices to double. Historical US inflation averages ~3% annually. Actual inflation varies by year and spending category.
Frequently Asked Questions
How much does inflation reduce my purchasing power?+
At 3% annual inflation: $100 today is worth $74 in 10 years, $55 in 20 years, $41 in 30 years. Your salary needs to increase 3% annually just to maintain the same lifestyle. Over 30 years, you need 2.4x your current income just to break even.
How do I protect against inflation?+
Investments that historically beat inflation: stocks (7-10% real return), real estate (5-8% real), TIPS (inflation-protected bonds), I-bonds (inflation-indexed). Cash and bonds often lose to inflation. A diversified portfolio of stocks + real estate is the best inflation hedge.
What is the current inflation rate in 2026?+
The Fed targets 2% annual inflation. Actual CPI varies: 2-4% in recent years. Use 3% for long-term planning (the historical average). The calculator lets you model different inflation scenarios to see the impact on your specific numbers.
How much does inflation reduce my purchasing power?
At 3% annual inflation: $100 today is worth $74 in 10 years, $55 in 20 years, $41 in 30 years. Your salary needs to increase 3% annually just to maintain the same lifestyle. Over 30 years, you need 2.4x your current income just to break even.