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Capitiro

Inflation Calculator

Find out what today's money will be worth in the future — and how much more everyday costs could be — at any inflation rate.

  • Free, no sign-up
  • Private — runs in your browser
  • Updated

Your details

$
%
years

What $1,000 of goods will cost in 10 years

$1,344

Future buying power of $1,000
$744
Purchasing power lost
25.6%

Cost vs. purchasing power

Rising prices on one line, shrinking real value on the other.

  • Future cost of today's goods
  • Real value of your money

How to use the inflation calculator

  1. Enter an amount in today's money — a salary, a monthly budget or a savings balance.
  2. Set the expected annual inflation rate.
  3. Choose the number of years to look ahead.

You get two answers: what the same goods will cost in the future, and what your money will be able to buy then.

Inflation formula explained

Future cost = Amount × (1 + inflation)years

Purchasing power = Amount ÷ (1 + inflation)years

Both use the same compounding principle as interest — just working against you instead of for you.

Worked example

At 3% inflation, a basket of goods costing 1,000 today will cost about 1,344 in 10 years. Put the other way, 1,000 kept in cash will only buy what about 744 buys today — a 26% loss of purchasing power.

Why inflation matters for your plans

  • Retirement: a target that looks big today may be modest in 30 years. Our retirement calculator shows both values.
  • Salary: a raise below inflation is a real-terms pay cut.
  • Savings: compare your account's interest rate with inflation — the difference is your real return.

Frequently asked questions

Disclaimer: Results are estimates for educational purposes only and are not financial, tax or legal advice. Actual rates, fees and returns vary. Speak to a qualified professional before making financial decisions. See our full disclaimer.