📉 Calculator

Inflation Impact Calculator

A million dollars today won't feel like a million dollars in 30 years. See exactly how inflation quietly erodes your retirement savings — and what you actually need to account for it.

Your Scenario

Amount (today's dollars)

Enter your target retirement nest egg, monthly income, or any amount.

Years in the Future

25 years

Expected Annual Inflation Rate

Historical US avg: 3.0% · Post-2020 avg: ~4.5% · Fed target: 2.0%

Your Portfolio's Annual Return

Used to calculate "real" (inflation-adjusted) return.

Purchasing Power Over Time

Future Purchasing Power

—

in today's dollars

Real Return (after inflation)

—

per year

Nominal value in — —

Purchasing power lost to inflation —

To maintain today's purchasing power, you need —

Equivalent monthly income at that future date —

Year-by-Year Purchasing Power

Year	Nominal $	Real Value	Power Remaining

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Rates as of 2025 and subject to change. Sponsored links.

Inflation projections are estimates. Past inflation rates do not guarantee future rates. The real return approximation uses the Fisher equation. Consult a financial advisor about inflation-protected investment strategies such as TIPS, I-bonds, and real estate.