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Inflation Impact Calculator

Calculate the real (inflation-adjusted) value of money in the future, and the loss of purchasing power.

About this calculator

The Inflation Impact Calculator on NumberCals is a free, mobile-friendly tool for anyone needing to calculate the real (inflation-adjusted) value of money in the future, and the loss of purchasing power. Enter your values in the form below and the result is computed instantly — no sign-up, no installation, no waiting.

Formula used

Real Value = Nominal / (1 + inflation)^n

What you'll need

  • Amount Today (e.g. 100000)
  • Annual Inflation Rate (%) (e.g. 3)
  • Years Ahead (e.g. 10)

What you'll get

  • Future Purchasing Power
  • Loss of Purchasing Power
  • Loss (%)
  • Nominal $ needed to keep same purchasing power
Formula
Real Value = Nominal / (1 + inflation)^n

Frequently Asked Questions

Why does $1,000,000 not feel like a lot anymore? +

Inflation. At 3% annual inflation, the purchasing power of money halves about every 23 years.

Why does this matter for retirement planning? +

If you plan to retire on $80k/year today's money, you need to plan for ~$144k/year in 20 years at 3% inflation just to maintain the same lifestyle.

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