Why should I adjust for inflation?

Inflation slowly eats away at what your money can buy. Factoring it in means your long-term goals reflect real security, not just a big number on a screen.

What is the difference between future value and what it's really worth?

The future value is the headline amount before inflation. What it's really worth is what that amount can actually buy in today's money. At 3% inflation, money loses about 26% of its buying power over 10 years and roughly 45% over 20 years, so the headline figure always overstates real wealth.

How much buying power does inflation take away over 20 years?

At 3% annual inflation, a fixed sum keeps only about 55% of its buying power after 20 years; at 5% inflation it keeps only about 38%. A sum that doubles on paper may barely hold its real value once inflation is applied.

What inflation rate should I use for long-term planning?

Use your country's long-run average rather than the current headline rate. This site defaults to each region's historical trailing average (see the Data Sources page), because short-term spikes even out over a 20 to 30 year period.

Future Money Value · 6 calculators

Future Money Value Calculators

See what cash is really worth over time. Future value, present value, and the real cost of your spending goals once inflation is factored in.

Spend goal · 20 yrs · 3%

$100k

≈ $55k after inflation

↗ TRENDING

Future Value Calculator

See what your money will grow to, and what it will actually buy in the future once you account for inflation.

Present Value Calculator

Find out what a future amount of money is really worth today, once you account for inflation.

Inflation Calculator

See how the value of money drops over time and what today's goods will cost in the future.

Inflation Value Calculator

Convert 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 Calculator

Find your own inflation rate based on how your household actually spends its money.

Purchasing Power Calculator

See how inflation shrinks the buying power of your cash and savings over time.

Popular scenarios

Pre-built landing pages for the most common questions in this category. Each one runs the calculator with the scenario's inputs already filled in.

What will 10,000 be worth in 10 years?What will 50,000 be worth in 10 years?What will 100,000 be worth in 10 years?What will 1 Million be worth in 10 years?What will 10,000 be worth in 15 years?What will 50,000 be worth in 15 years?What will 100,000 be worth in 15 years?What will 1 Million be worth in 15 years?What will 10,000 be worth in 20 years?What will 50,000 be worth in 20 years?What will 100,000 be worth in 20 years?What will 1 Million be worth in 20 years?What will 10,000 be worth in 25 years?What will 50,000 be worth in 25 years?What will 100,000 be worth in 25 years?What will 1 Million be worth in 25 years?What will 10,000 be worth in 30 years?What will 50,000 be worth in 30 years?What will 100,000 be worth in 30 years?What will 1 Million be worth in 30 years?What will 10,000 be worth in 40 years?What will 50,000 be worth in 40 years?What will 100,000 be worth in 40 years?What will 1 Million be worth in 40 years?What will 10,000 be worth in 50 years?What will 50,000 be worth in 50 years?What will 100,000 be worth in 50 years?What will 1 Million be worth in 50 years?

Future Money Value Calculators

Popular scenarios

Learn more