Inflation calculator
A savings account paying 2% during 4% inflation is losing 2% of purchasing power a year. This tool makes that loss concrete — enter an amount, an inflation rate, and a horizon, and see what today's euros are really worth in the future.
€
Value in today's euros.
% p.a.
Constant annual CPI-style rate.
years
Number of years into the future.
Real (today's) value in the future
€55,368
Amount ÷ (1 + i)^n, at 3% for 20 yrs
Purchasing-power loss
44.63%
1 − real ÷ nominal
Nominal needed to keep pace
€180,611
Amount × (1 + i)^n
Assumptions & units
- All amounts in EUR (€); inflation is a constant annual rate (CPI-style).
- Compounds annually: factor = (1 + rate)^years.
- Ignores taxation, currency effects, and shifts in personal consumption basket.
- Real vs nominal is a purchasing-power calculation only; no returns are modelled.
How this calculator works
Real (today's) future value = nominal / (1 + inflation)^years. Purchasing-power loss is the percentage of today's value your future amount will have lost.
The 'nominal needed to keep pace' figure inverts the formula: what future amount would have the same purchasing power as today's amount.
Figures are illustrative only. Not investment, tax, or legal advice. Capital at risk.