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Full directory →Future Money Value
View allCost of Living Comparison CalculatorCompare the cost of living between GCC and other cities across housing, food, transport, utilities, education and healthcare. See what your monthly budget needs to be to live the same way.End-of-Service (Gratuity) Calculator — GCCWork out your full end-of-service settlement in the UAE, Saudi, Kuwait, Qatar, Oman or Bahrain — gratuity plus leave, notice and ticket — and what it's worth if you invest it.Future Value CalculatorSee what your money will grow to, and what it will actually buy in the future once you account for inflation.Inflation CalculatorSee how the value of money drops over time and what today's goods will cost in the future.Inflation Value CalculatorConvert money between any two years using real historical CPI. See what a past amount is worth today, what today's money will need to become, and how much buying power you lose.Personal Inflation CalculatorFind your own inflation rate based on how your household actually spends its money.Present Value CalculatorFind out what a future amount of money is really worth today, once you account for inflation.Purchasing Power CalculatorSee how inflation shrinks the buying power of your cash and savings over time.Purchasing Power Parity (PPP) CalculatorCompare what your money really buys in another country. PPP shows the true equivalent value of a salary or amount across countries — not just the exchange rate.Raise vs Inflation CalculatorDid your pay raise actually beat inflation, or is it a real-terms pay cut? Enter your raise and inflation to see your true change in buying power — not the misleading headline number.Relocation Financial PlannerThinking of moving to the Gulf? This plans the full financial picture of relocating — the salary you'd need, your savings potential, and what it means for your long-term wealth and retirement.Salary Equivalent Calculator (GCC & Global)Moving abroad? See the salary you'd need in Dubai, Riyadh, Kuwait and other cities to keep your current lifestyle — adjusted for cost of living and purchasing power, with a clear recommendation.
Investing
View allCAGR CalculatorFind the compound annual growth rate (CAGR) between any two values, and the real CAGR once you take inflation out.Compound Interest CalculatorSee how your savings grow with compound interest. Pick daily, monthly, quarterly, or annual compounding, add regular deposits, and see what it's worth today after inflation.Fixed Deposit (FD) CalculatorWork out the maturity value and interest on a fixed deposit or CD, with your choice of compounding frequency, plus what it's worth today after inflation, the number that decides whether an FD actually grows your wealth.Inflation Adjusted SIP CalculatorSee what your SIP savings will actually buy. Most calculators stop at the headline number. This one shows the future value, today's value after inflation, the money lost to inflation, and inflation defaults for your country, so you can plan honestly.Investment Fee CalculatorSee the true dollar cost of a high expense ratio versus a low-cost index fund over 10, 20, or 30 years. Most investors are shocked by the number.Lumpsum CalculatorSee how a single one-time investment grows over time, and what it will buy after inflation.Recurring Deposit (RD) CalculatorWork out the maturity value of a recurring deposit from a fixed monthly saving, with quarterly compounding, and see what it's really worth after inflation.SIP CalculatorSee what your monthly SIP could grow to, and what it will actually buy after inflation.Step-Up SIP CalculatorPlan investments that grow as your salary grows, and see both the future value and what it will buy today.Target Corpus CalculatorSee how much to save each month or as a lumpsum to reach your goal, with inflation built in.
FIRE & Retirement
View allCoast FIRE CalculatorFind your Coast FI number, the savings you need today so compound growth alone takes you to retirement, even if you stop investing now.Emergency Fund CalculatorWork out how big your emergency fund should be from your real monthly expenses, and how much it needs to grow each year just to keep up with inflation.FIRE CalculatorPlan for Financial Independence Retire Early (FIRE) and find the retirement savings number you really need after inflation.Net Worth CalculatorAdd up everything you own and take away everything you owe to find your true net worth, then see how much it needs to grow each year just to stay ahead of inflation.Net Worth Percentile CalculatorSee where your net worth ranks among Americans your age, using Federal Reserve Survey of Consumer Finances 2022 data.Retirement CalculatorPlan your retirement. Work out the savings and income you'll need, with inflation built in.Retirement Corpus CalculatorWork out the total savings you need to keep up your lifestyle right through retirement.Savings Rate & FI Timeline CalculatorFind out how many years until financial independence based on your savings rate. See how saving 10% vs 50% of your income changes your retirement date by decades.
Tax
View allMarginal vs Effective Tax Rate CalculatorSee the difference between your marginal tax rate (the rate on your next dollar) and your effective rate (your real average). Proves a pay raise never lowers your take-home pay.Sales Tax / VAT CalculatorAdd or remove sales tax, GST, or VAT from any price, for 5 major countries.Tax Comparison CalculatorCompare tax rates, brackets, and take-home salary across different countries.
Loans & Debt
View allDebt Payoff CalculatorCompare the Avalanche and Snowball methods across all your debts at once. See exactly when you'll be debt-free and how much interest each plan costs.Debt Snowball vs Avalanche CalculatorCompare the debt snowball (smallest balance first) and avalanche (highest interest first) methods on your real debts. See which clears your debt sooner and which saves the most interest.Mortgage CalculatorWork out your monthly mortgage payment, total interest, and full payment schedule, plus the often-ignored real cost of the loan once inflation shrinks your fixed payment.Pay Off Debt or Invest CalculatorShould you pay off debt or invest your spare cash? This compares both over your time horizon and shows which leaves you richer in today's money — after inflation.
Country-specific
Business Tax CalculatorEstimate the corporate and business tax your company owes across major countries./auIncome Tax CalculatorEstimate your income tax and take-home pay, and see how inflation eats into your spending money over time./auTake-Home Salary CalculatorWork out your real take-home pay after income tax, EPF, National Insurance, FICA or the Medicare levy and other deductions. Every number is shown and you can edit it./auBusiness Tax CalculatorEstimate the corporate and business tax your company owes across major countries./caIncome Tax CalculatorEstimate your income tax and take-home pay, and see how inflation eats into your spending money over time./caBusiness Tax CalculatorEstimate the corporate and business tax your company owes across major countries./euIncome Tax CalculatorEstimate your income tax and take-home pay, and see how inflation eats into your spending money over time./euBusiness Tax CalculatorEstimate the corporate and business tax your company owes across major countries./inEPF CalculatorProject your Employees' Provident Fund (EPF) savings at retirement from your basic salary, at the current 8.25% rate, with yearly raises, and see what it's worth today after inflation./inIn-Hand Salary CalculatorWork out your real in-hand pay after income tax, EPF, National Insurance, FICA or the Medicare levy and other deductions. Every number is shown and you can edit it./inIncome Tax CalculatorEstimate your income tax and take-home pay, and see how inflation eats into your spending money over time./inNPS CalculatorProject your National Pension System (NPS) savings at 60, the tax-free lump sum, the required annuity, and the monthly pension it buys, with inflation built in./inOld vs New Tax Regime Calculator (India)Should you pick the Old or New tax regime this year? Enter your salary and deductions to see which costs less tax under FY 2025-26 rules — and the break-even deductions where they tie./inPPF CalculatorWork out the maturity value of your Public Provident Fund (PPF) at the current 7.1% rate, and see what those tax-free savings are really worth after inflation./inBusiness Tax CalculatorEstimate the corporate and business tax your company owes across major countries./ukIncome Tax CalculatorEstimate your income tax and take-home pay, and see how inflation eats into your spending money over time./ukTake-Home Salary CalculatorWork out your real take-home pay after income tax, EPF, National Insurance, FICA or the Medicare levy and other deductions. Every number is shown and you can edit it./ukUK £100k Tax Trap CalculatorSee how the UK £100,000 Personal Allowance taper creates a ~60% effective tax rate, and exactly how much pension contribution clears the trap and restores your allowance./ukBusiness Tax CalculatorEstimate the corporate and business tax your company owes across major countries./usIncome Tax CalculatorEstimate your income tax and take-home pay, and see how inflation eats into your spending money over time./usRoth vs Traditional IRA CalculatorCompare Roth IRA vs Traditional IRA after-tax wealth. Find out which is better for your tax bracket and see the exact break-even point./usTake-Home Salary CalculatorWork out your real take-home pay after income tax, EPF, National Insurance, FICA or the Medicare levy and other deductions. Every number is shown and you can edit it./us
See it live
Drag the inputs and watch the headline number shrink to what it’s really worth after inflation — the number most calculators hide.
SIP Calculator
Live preview · try it
Monthly investment$1,000
For15 years
What other calculators show
$499.58K
What it actually buys
$208.46K
Real value kept−$291.12K lost to inflation
Why TheFinancePlans
Most calculators lie by omission.
They hand you a big future number and stop. But what looks like a fortune in 20 years won’t buy what it does today. Every tool here shows the real, after-inflation number next to the headline, so you plan with the truth.
- Real vs nominal, side by side. See the money lost to inflation on every result.
- Your currency, your defaults. Inflation rates pre-set for your country.
- Open formulas, nothing stored. No account, no tracking, no saved data.
What $1M in 20 years really buys
$311.8K
31% kept69% eroded @ 6%
46
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6
currencies & regions
Learn the concepts
All guidesFrequently asked questions
Buying power is how much your money can actually buy. As prices rise, the same dollar, pound, or rupee buys less than it used to. TheFinancePlans shows every future amount two ways: the number on paper, and what it will really buy. So you can see what inflation takes away.
The big number looks better. A calculator that promises $1,000,000 for retirement sounds great, until you learn that after 30 years of 3% inflation it only buys what about $412,000 buys today. Most tools show you the big number. We show you both.
Your headline return is the percentage your investment grew by. Your real return is what's left after inflation, so it shows whether your buying power actually went up. A 10% return with 6% inflation is really closer to 3.77% growth in what you can buy.
Retirement is decades away, so even small inflation adds up fast. At 4% inflation, the cost of living roughly doubles every 18 years. So the savings that would feel comfortable today may need to be 2 to 3 times larger by the time you retire. Our FIRE and retirement calculators show you this directly.
Yes. Every calculator supports USD, GBP, EUR, INR, CAD, and AUD. Your currency is detected automatically and you can switch it instantly from the header, no reload, and sensible local defaults for inflation and returns come with it.
Every tool here shows three numbers side by side: your future amount, what it will actually buy in today's money, and how much buying power inflation takes away. That's the whole point. Most other planning tools only show you the big number on paper.
Stop guessing. Start planning with the real number.
Pick a question, get an inflation-honest answer in seconds. Free forever, no account.