Loading…
Loading…
See how inflation affects the purchasing power of your money over time. Enter an amount, a start and end year, and an average annual inflation rate. The calculator shows both the adjusted value and a year-by-year breakdown. Works in both directions: forward (future purchasing power) and backward (historical equivalent).
Adjusted Value
$74,409.39
Purchasing Power Change
$25,590.61
lost
Total Inflation
34.4%
over 10 years
Period
10 years
2026–2036
| Year | Value | Cumulative Inflation |
|---|---|---|
| 2026 | $100,000 | 0.0% |
| 2027 | $97,087.38 | 3.0% |
| 2028 | $94,259.59 | 6.1% |
| 2029 | $91,514.17 | 9.3% |
| 2030 | $88,848.7 | 12.6% |
| 2031 | $86,260.88 | 15.9% |
| 2032 | $83,748.43 | 19.4% |
| 2033 | $81,309.15 | 23.0% |
| 2034 | $78,940.92 | 26.7% |
| 2035 | $76,641.67 | 30.5% |
| 2036 | $74,409.39 | 34.4% |
Inflation measures how prices rise over time, reducing what each dollar can buy. At 3% annual inflation, $100,000 today will have the purchasing power of roughly $74,400 in 10 years — a 25.6% loss. The effect compounds: over 20 years at the same rate, you lose over 45% of purchasing power.
US inflation has averaged roughly 3.2% annually since 1913. Recent years saw higher rates (7–9% in 2021–2022) before returning closer to the 2–3% target. Different categories (housing, healthcare, education) often inflate at different rates than the headline CPI figure.
Use this calculator for retirement planning (will your savings cover future expenses?), salary negotiation (is your raise beating inflation?), contract pricing (setting escalation clauses), and understanding historical values (what was $50,000 in 1990 worth in today's dollars?).
Forward calculation: Adjusted Value = Amount ÷ (1 + rate)^years. Backward calculation: Equivalent = Amount × (1 + rate)^years. This uses a constant annual rate. For precise historical calculations, use actual year-by-year CPI data from the Bureau of Labor Statistics.
At 3% annual inflation, $100,000 today has the purchasing power of roughly $74,400 in 10 years — a 25.6% loss. Over 20 years you lose over 45% of purchasing power. The effect compounds: higher inflation or longer timeframes erode value faster. Use this calculator with your amount, years, and assumed inflation rate to see the adjusted value.
At 3% annual inflation, $100,000 today will have the purchasing power of about $74,400 in 10 years. At 4% it would be roughly $67,600. The formula is: Adjusted Value = Amount ÷ (1 + rate)^years. Enter your amount, start and end years, and inflation rate in the calculator for a precise result and year-by-year breakdown.
Purchasing power falls when prices rise. Forward: divide your amount by (1 + inflation rate)^years to get future equivalent purchasing power. Backward: multiply by (1 + rate)^years to see what a past amount would be worth today. This calculator does both and shows a year-by-year table. Use the Bureau of Labor Statistics CPI for historical accuracy.
To express a past amount in today's dollars, use the backward (historical) mode: enter the past amount, start year, end year (e.g. today), and average annual inflation rate. For example, $50,000 in 1990 at 2.5% average inflation is roughly $95,000 in today's dollars. The calculator shows the equivalent value and a year-by-year breakdown.
Inflation reduces what your savings can buy. At 3% inflation, $1,000,000 in 30 years has the purchasing power of about $412,000 today. Retirement calculators should use inflation-adjusted (real) returns and show income in today's dollars. Use this tool to see how much future expenses or target savings are worth in today's terms, then plan contributions accordingly.
Mortgage Early Payoff
Calculate how extra payments reduce your mortgage term and total interest paid. Supports annuity and differentiated payment schedules.
Retirement Savings
Project your retirement savings with compound interest, employer matching, and inflation adjustment. Based on the 4% withdrawal rule.
Dividend Tax
Calculate net dividends after tax across 8 countries. Includes withholding rates, surcharges, and tax-free allowances.
Salary After Tax
Find your take-home pay in 8 countries and all 50 US states. Includes federal and state income tax, social contributions, and deductions.
Debt Payoff
Compare avalanche and snowball strategies to pay off multiple debts. See total interest saved and your debt-free date.
Rent vs Buy
Should you rent or buy? Compare total costs including mortgage, taxes, appreciation, and opportunity cost over time.
Compound Interest
Calculate how your savings grow with compound interest. Initial deposit, monthly contributions, and year-by-year breakdown.
FIRE Calculator
Financial Independence, Retire Early. Your FIRE number, years to FIRE, savings rate, and year-by-year projection.
Loan Calculator
Calculate loan payments (EMI), total interest, total amount paid, and effective annual rate. Full amortization. Monthly or biweekly.