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Inflation Calculator
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This Inflation Calculator shows how a fixed annual inflation rate erodes (or historically eroded) purchasing power over time, in two directions: project what a present-day amount will be worth in the future, or work out what a future amount was actually worth in today's terms some years ago. Enter an amount, an annual inflation rate, and a number of years, and get the adjusted value along with the total change in purchasing power. It's useful for long-term financial planning, understanding salary negotiations relative to inflation, or putting historical prices in context. Everything runs locally in your browser. Scroll down to enter your numbers.
Features
- Projects future value adjusted for inflation
- Calculates the past equivalent value of a future amount
- Shows total purchasing power gained/lost
- Instant recalculation as you change inputs
Why use this inflation calculator?
- Makes long-term financial comparisons more realistic
- No manual compounding math required
- Fully private — no financial details are uploaded
- Free with unlimited use
Frequently asked questions
How is the future value calculated?
It compounds the amount annually at the inflation rate you enter, using the formula amount × (1 + rate)^years — the same compounding logic used for interest, applied to price levels.
What inflation rate should I use?
Historical long-term average inflation is often 2-4% in developed economies, but actual rates vary significantly by country and year — check your local statistics agency for a specific figure.
What does the 'past value' mode show?
It answers 'if I have this amount today, what was the equivalent purchasing power worth that many years ago', by dividing instead of multiplying by the compounding factor.
Does this predict future inflation rates?
No, it applies whatever fixed annual rate you enter; actual future inflation rates are inherently uncertain and often variable year to year.
Is this financial advice?
No, results are for general planning and educational purposes only, not a guarantee of future purchasing power.