Forward and backward flat-rate inflation, variable year-by-year rates, CPI conversion, real return, retirement/education projections, and savings goals — all instant, all in your browser.
Choose a direction, a rate mode, and enter your numbers — results update instantly.
Enter the published index values for your two dates; the tool scales the amount by their ratio instead of assuming a rate.
Know the start and end value already? Solve for the constant annual rate that connects them (CAGR-style).
Uses the Fisher equation to show what an investment return is actually worth after inflation.
Estimates the future salary required just to maintain today's purchasing power — not to get ahead.
Shows what a single unit of currency today will be worth after a number of years of inflation.
A quick mental-math estimate of how many years it takes for prices to double (or purchasing power to halve) at a given rate.
Projects what a recurring cost (living expenses, tuition, etc.) will grow to after inflation.
Figures out the monthly deposit needed to reach a goal that itself grows with inflation, assuming your savings earn a return.
Run the flat-rate forward calculation twice, side by side — useful for comparing rate assumptions.
⚠ For general orientation only — these are rounded, long-run approximations, not live or authoritative data. Always confirm exact figures with an official national statistics agency.
| Region | Approx. Long-Run Average |
|---|---|
| United States | ~3% / year |
| Eurozone | ~2–3% / year |
| United Kingdom | ~3–4% / year |
| India | ~6–7% / year |
| Japan | ~0.5–1.5% / year |
| Brazil | ~6–8% / year |
| Australia | ~2.5–3.5% / year |
| Canada | ~2–3% / year |
Saved only on this device — never uploaded anywhere. Click an entry to reload it.
Forward calculation takes a present amount and projects what it will be worth (in nominal terms) after a number of years of inflation. Backward calculation does the reverse — it takes a future or past amount and tells you its equivalent value today.
A flat rate assumes the same inflation percentage applies every year of the period. It's a simplification — real-world inflation varies year to year — but it's useful for quick estimates and long-range planning.
Flat rate applies one constant percentage across every year. Variable rate lets you set a different rate for each individual year for a more realistic estimate. CPI mode skips rate assumptions entirely and calculates directly from two Consumer Price Index values you provide.
No. All calculations use the rate(s) or index values you enter. The reference table of historical average rates is included for general orientation only and is not live or authoritative data — always check an official statistics agency for exact historical figures.
Nominal return is the plain percentage gain on an investment before accounting for inflation. Real return adjusts that gain for inflation using the Fisher equation, showing how much purchasing power you actually gained.
It projects your current salary forward using the same compounding formula as the main calculator, showing the salary you'd need in the future just to maintain today's purchasing power — not to get ahead.
No. Every calculation runs locally in your browser. Saved scenarios are stored only in this browser's local storage and are never sent to a server.
No. It estimates outcomes based on the rate(s) you supply. Actual future inflation depends on economic conditions that can't be predicted with certainty.
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