Inflation calculator
Money left idle in the account stays the same in euros but buys less and less. The calculator shows what it will be worth in today's purchasing power in a few years, and how much you would need to buy the same things.
Future purchasing power
€ 12,205
-39.0% in 20 years
Sum needed
€ 32,772
To buy what you buy today
Purchasing power lost
€ 7,795
Keeping the money idle
Nominal value and purchasing power
Estimates for information only, not financial or tax advice: the results depend on the assumptions entered, and past returns do not guarantee future ones.
How it is worked out
With constant annual inflation, prices after n years are multiplied by (1 + inflation) to the power of n. Dividing the capital by this factor gives its purchasing power in today's euros; multiplying it gives the sum you would need to keep it.
At 2.5% inflation prices double in about 28 years: €20,000 left idle for 20 years buys what about €12,200 buys today.
Why it matters for investors
The return that counts is the real one, what is left after inflation. A deposit account at 2% with inflation at 2.5% loses purchasing power, even as the balance grows.
Frequently asked questions
Which inflation rate should I enter?
A long-term average is more useful than last year's figure. Try several values to see how much the result changes.
Does it count the interest on the account?
No: it shows idle money. To see capital that grows, use the compound interest calculator, which also reports the value net of inflation.
What your portfolio really returns
PortFolk works out your portfolio's return money-weighted (XIRR) and time-weighted, against a benchmark, on the trades you made.
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