How it works
- Future cost = Amount × (1 + rate)years
- Purchasing power = Amount ÷ (1 + rate)years
Example: $100 at 3% for 10 years → things cost $134.39, and $100 buys what $74.41 buys today.
Learn more
Compound interest with monthly contributions, explainedHow compound interest works when you add money every month: the formula, a year-by-year example of $5,000 plus $300 a month at 7%, and why time matters more than the rate.The 4% rule and how to calculate your FIRE numberHow to calculate your FIRE / retirement number with the 4% rule (25x expenses), what the rule is based on, its limitations, and a worked example of years to financial independence.FAQ
Which inflation rate should I use?
Use your country’s recent average or a long-term assumption (often 2–3% in many economies). You can test several.
Is this historical data?
No. It projects with the rate you enter, so it works for any country and currency.
Why does it matter for savings?
Money that earns less than inflation loses purchasing power every year.
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