Tools 5 min read

Inflation Calculator

Inflation is the silent wealth destroyer. Understanding its impact is essential for long-term financial planning.

How Inflation Erodes Your Money

The real cost of keeping cash.

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At 3% inflation: €100,000 today is worth €74,400 in 10 years, €55,400 in 20 years, and €41,200 in 30 years — in purchasing power. This is why keeping large amounts in a zero-interest checking account is actively losing money. Your investments need to earn above the inflation rate to grow wealth in real terms.

Inflation-Protected Investments

How to beat the silent tax.

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Investments that historically beat inflation: Stocks (7-10% average return), Real estate (appreciation plus rental income), Inflation-linked bonds (TIPS, EU inflation-linked bonds), Commodities (gold, broadly). Investments that lose to inflation: Cash in checking accounts, Traditional savings accounts (usually below inflation), Most fixed-rate bonds during high inflation periods.

Real Returns vs Nominal Returns

The numbers that actually matter.

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Nominal return: What your statement shows (e.g., 8%). Inflation rate: Price increases (e.g., 3%). Real return: Nominal minus inflation (8% - 3% = 5%). Always think in real returns. A 12% return during 9% inflation (3% real) is worse than 6% return during 2% inflation (4% real). Our calculator shows both so you can plan with the numbers that actually matter.