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Purchasing-power calculator
Inflation impact calculator
See how compound inflation changes future purchasing power, then test a blended return scenario using your own assumptions.
- Runs privately in your browser
- Adjustable assumptions
- Educational estimate
Your assumptions
Model inflation and real value
No return is guaranteed. The gold and non-gold return fields are intentionally editable so the calculator does not present a single historical average as a forecast.
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Method and limitations
Purchasing power with no growth equals current savings divided by (1 + inflation rate) raised to the number of years. Future dollars needed uses the inverse compounding calculation. The blended illustration weights the entered non-gold and gold returns by the selected allocation, compounds that nominal rate, and then discounts the result by inflation.
Results are illustrations based on the values entered. They are not predictions or individualized investment, tax, or legal advice. Confirm rules, fees, returns, eligibility, and account treatment with qualified professionals and the relevant plan administrator or custodian.