🎈 Inflation Calculator
Inflation slowly reduces what money can buy. Enter an amount, an assumed inflation rate and a number of years to see its future buying power and the amount you would need to keep up.
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How to use the inflation calculator
- Enter an amount of money.
- Enter an assumed yearly inflation rate.
- Choose the number of years.
- Compare buying power and the amount needed to keep pace.
Strategies that use this tool
Buy and Hold Index Investing
Buy and hold index investing means owning low-cost funds that track a whole market and keeping them for the long run. Instead of hunting for winners, you own a slice of everything and let broad economic growth do the heavy lifting.
⚖️The 60/40 Portfolio
The 60/40 portfolio holds about 60% in stocks for growth and 40% in bonds for stability. It is a classic balanced approach designed to smooth the ride while still aiming for long-term growth.
🪜Bond Ladder
A bond ladder spreads your money across bonds or CDs that mature at different times, like rungs on a ladder. As each rung matures, you get cash back to spend or reinvest at current rates.
🏦Stablecoin Yield Basics (High Caution)
Stablecoin yield means lending or depositing stablecoins on crypto platforms or DeFi protocols to earn interest. Advertised rates can look attractive, but the risks, including platform collapse, smart contract bugs and loss of the dollar peg, are serious and real.
Frequently asked questions
What is inflation?
It is the general rise in prices over time, which means the same money buys less.
How can savers beat inflation?
Over the long run, many people use diversified investments that have historically grown faster than prices – with risk.
What inflation rate should I use?
Many central banks target about 2% a year, but actual inflation varies.