Inflation Calculator
See what an amount today will be worth — or what tomorrow's dollars are worth today.
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Inputs
$
%
Future cost of today's amount
$1,806.11
Today's value of future amount
$553.68
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How it works
Future = today × (1 + inflation)^years. Real value = future ÷ (1 + inflation)^years.
Frequently asked questions
Are these returns guaranteed?
No — projections assume your inputs hold steady. Real markets fluctuate; treat results as planning estimates.
What's a reasonable long-term return?
Diversified U.S. stock portfolios have averaged 7–10% before inflation over the long run.
Should I include inflation?
Yes if you care about purchasing power. Use a real return = nominal return − inflation rate.
Do taxes affect this?
Inside tax-advantaged accounts (401k, IRA, HSA) growth is tax-deferred or tax-free. Taxable accounts pay annual tax on distributions and on gains when sold.
Does dollar-cost averaging help?
It smooths timing risk and is a behavioral win even if a lump-sum invested earlier has higher expected return.
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