Inflation Purchasing Power Calculator
Future cost or today’s value of money after inflation. Results update as you type.
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Results
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About the Inflation Purchasing Power Calculator
See what a price will be after years of inflation, or what future money is worth in today’s terms. Enter an amount, the number of years and an average inflation rate. Add your investment return to see your real return after inflation.
It helps with planning for school fees, retirement or any long-term cost.
Choose your currency (₹, $, €, £ and more) and every amount updates. The calculation runs in your browser, so the numbers you enter are not uploaded.
Inflation Purchasing Power Calculator example
Amount: 100000
Years: 15
Average yearly inflation: 6 %
Your yearly investment return: 9 %Cost after 15 years: ₹2,39,656
Prices rise by: 139.7%
Money loses buying power: 58.3%
Real return per year: 2.83%How it is calculated
Prices grow by (1 + inflation) every year, so the future cost is amount × (1 + inflation)^years. The value of future money in today’s terms is the amount divided by the same factor. The real return is (1 + return) ÷ (1 + inflation) − 1.
Future cost = amount × (1 + inflation)ʸᵉᵃʳˢValue in today’s money = amount ÷ (1 + inflation)ʸᵉᵃʳˢReal return = (1 + return) ÷ (1 + inflation) − 1
What to enter
- Your yearly investment return. Shows the real return after inflation.
How to use the Inflation Purchasing Power Calculator
- Fill in the fields above. Required fields are marked, optional ones can be left blank and fall back to the defaults described on this page.
- Use “Try an example” to see a worked case, then replace the numbers with your own.
- Read the results as you type. The large card is the main answer and the smaller cards are the related figures.
- Copy a single value or everything, or share a link that keeps your inputs.
Inflation Purchasing Power Calculator FAQ
How does the inflation purchasing power calculator work?
Prices grow by (1 + inflation) every year, so the future cost is amount × (1 + inflation)^years. The value of future money in today’s terms is the amount divided by the same factor. The real return is (1 + return) ÷ (1 + inflation) − 1.
What inflation rate should I use?
Use a long-run average for your country, and a higher figure for categories that rise faster, such as education or healthcare. Rates change year to year, so try a few values.
What is real return?
It is your return after removing inflation. A 9% return with 6% inflation is a real return of about 2.8%, not 3%.
Is this inflation purchasing power calculator free and private?
Yes. It is free with no sign-up, and the calculation happens on your device, so your numbers are never sent to a server.
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