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Inflation Calculator

See what a sum of money will cost, or be worth, after inflation

Currency

Amount Today

Enter a valid amount

Annual Inflation

Enter a rate (0-100)

Years

Enter years (1-100)

Future Cost

Value of today's money

Cumulative inflation

Extra you will pay

Prices multiply by

--0%--

Inflation Calculator — Complete Guide

Inflation is the rate at which the general level of prices rises. It sounds abstract, but it has a very concrete effect: the same amount of money buys less each year. This calculator puts a number on that drift.

What this calculator does

Enter an amount, an annual inflation rate and a number of years. It shows three things: what the same basket of goods will cost in the future, what today's money will actually be worth then, and how much of the increase is pure inflation.

The formula

future cost = amount × (1 + rate)ⁿ
real value = amount ÷ (1 + rate)ⁿ
cumulative inflation = (1 + rate)ⁿ − 1

The exponent n is the number of years. Because inflation compounds, small differences in the rate matter enormously over long horizons.

A worked example

$1,000 at 3% for 10 years: the factor is 1.03¹⁰ = 1.3439, so the future cost is $1,343.92 and the real value of the original $1,000 falls to $744.09. The gap — $343.92 — is the extra you pay for the same goods.

Years	3% inflation	6% inflation
5	$1,159	$1,338
10	$1,344	$1,791
20	$1,806	$3,207
30	$2,427	$5,743

Why the rate you pick matters

Central banks in most developed economies target about 2% a year.
Long-run US CPI has averaged roughly 3% since the 1920s.
Emerging markets often run higher — 6-10% is not unusual.
Over 30 years, the difference between 3% and 6% is more than double the cost.

Two practical uses stand out. For retirement planning, inflate today's spending to get the income you will actually need decades from now. For cash, remember that money that is not earning at least the inflation rate is quietly losing value.

通胀计算器完整使用指南

通货膨胀是物价总水平上涨的速度。听起来抽象，但它的影响非常具体：同样多的钱，能买的东西一年比一年少。这个计算器就是把这种「悄悄贬值」变成一个看得见的数字。

这个计算器能做什么

输入金额、年通胀率与年数，它会给出三件事：同样的东西将来要花多少钱、今天的钱届时实际还值多少、以及其中有多少是纯粹被通胀吃掉的。

计算公式

未来花费 = 金额 × (1 + 通胀率)ⁿ
实际价值 = 金额 ÷ (1 + 通胀率)ⁿ
累计通胀 = (1 + 通胀率)ⁿ − 1

指数 n 就是年数。因为通胀是复利式累积的，长期来看，零点几个百分点的差异会被放大得非常明显。

算例演示

1000 元、年通胀 3%、10 年：系数为 1.03¹⁰ = 1.3439，所以未来花费 1343.92 元，而原来那 1000 元的实际价值只剩 744.09 元。两者之差 343.92 元，就是你要为「同样的东西」多付的钱。

年数	3% 通胀	6% 通胀
5 年	1159 元	1338 元
10 年	1344 元	1791 元
20 年	1806 元	3207 元
30 年	2427 元	5743 元

为什么「用哪个通胀率」很关键

多数发达经济体央行的通胀目标约为每年 2%。
美国自 1920 年代以来的长期 CPI 年均约为 3%。
新兴市场往往更高，6-10% 并不罕见。
在 30 年的尺度上，3% 与 6% 的差距是两倍以上。

有两个特别实用的场景。做退休规划时，先把今天的开销按通胀放大，才能算出几十年后真正需要的收入。而对持有现金的人来说，收益如果跑不赢通胀，钱就是在悄悄缩水。

Frequently Asked Questions

How do I calculate inflation over time?

Multiply the amount by (1 + rate) once for each year. At 3% for 10 years the factor is 1.03^10 = 1.344, so something that costs $1,000 today costs about $1,344 in ten years.

What is the rule of 72?

Divide 72 by the annual inflation rate to get the number of years it takes for prices to double. At 3% that is 72 ÷ 3 = 24 years; at 6% it is just 12 years.

Does inflation mean my money is worth less?

Yes. The same pile of cash buys less over time. $1,000 left in a drawer at 3% inflation has the buying power of about $744 after ten years — which is why cash alone is not a store of value.

Last reviewed: October 5, 2026 · How we calculate · Sources: US Bureau of Labor Statistics, OECD, World Bank