Inflation Calculator

Inflation does not just raise prices — it shrinks what a fixed amount can buy. Both directions are shown.

Purchasing power, not just price

At 9% for ten years, 100,000 becomes a basket costing about 237,000 — or equivalently, today’s 100,000 buys what 42,000 buys today.

If inflation is 9%, an 8% return loses purchasing power. Compare returns net of inflation.

Which inflation rate should I use?

Your own spending basket, not the headline. Food, rent and education often run higher.

Does this compound?

Yes — inflation compounds on the previous year’s prices.