La guía de abajo aún no está disponible en español y se muestra en inglés. La calculadora está totalmente traducida.
Cómo usar esta calculadora
- Enter an amount of money in today's terms.
- Enter an average annual inflation rate. Central banks in many economies target about 2%.
- Enter the number of years to see the future cost, and what today's amount will be able to buy then.
Fórmula
Inflation compounds like interest. Future cost multiplies by the growth factor, and purchasing power divides by it.
Future cost = Amount × (1 + π)^t
Purchasing power = Amount / (1 + π)^t
Cumulative inflation = (1 + π)^t − 1
Example
- $1,000 with 3% average inflation for 10 years.
- Future cost = 1,000 × 1.03^10 ≈ $1,343.92.
- Purchasing power of $1,000 in 10 years ≈ $744.09 in today's money.
Preguntas frecuentes
Does this use official CPI data?
No. It projects with a constant average rate you enter, which suits planning. Historical inflation varies year to year; for an exact historical comparison, use your national statistics office's official CPI series.
What is a typical inflation rate?
Many central banks, including the US Federal Reserve, the European Central Bank and the Bank of England, target about 2% per year, but actual inflation can be much higher or lower.
How does inflation affect savings?
If your savings earn less than inflation, their real value declines. Compare your after-tax return with inflation to judge real growth.