Savings vs inflation calculator
Check whether your savings earn more than inflation takes away.
Does your money beat inflation?
A savings rate only means something next to inflation. If your money earns 5% and prices rise 15%, you are 10 points behind every year, even though your balance goes up. This tool shows the gap in the amount your savings can actually buy.
Common questions
What inflation rate should I use?
Use your country's official yearly inflation rate, usually published by the national statistics office or central bank. You can also try several rates to see a range of outcomes.
Is this a forecast?
No. Future inflation is unknown. The results show what would happen if prices rise at the rate you choose, so try a few different rates.
What is a real return?
It is the yearly growth of your money after taking away inflation. If your savings pay 10% and inflation is 15%, your real return is negative, so your money buys less each year.
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