Future Value Calculator
See how inflation erodes your money over time,
or plan how much you'll need for a future goal.
Why does money lose value over time?
Inflation gradually reduces the purchasing power of your money. At 3% annual inflation, $100 today will only be worth about $74 in 10 years. Use this calculator to see how much you'll need in the future to maintain your current standard of living.
Calculate how much of your money's purchasing power is lost to inflation over time. (Default: 3% annual inflation)
Enter an Amount
See how your money's value changes
over time due to
inflation.
Future Real Value
$0
At 3% inflation, purchasing power halves in ~24 years.
Understanding Future Value & Inflation
What is Purchasing Power?
Purchasing power refers to how much you can buy with a given amount of money. As prices rise due to inflation, your money buys less. $100 today might only buy $74 worth of goods in 10 years at 3% inflation.
The Rule of 72
A quick formula to estimate how long it takes for purchasing power to halve. Divide 72 by the inflation rate. At 3% inflation, your money loses half its value in about 24 years (72 ÷ 3 = 24).
Nominal vs. Real Value
Nominal value is the face amount (e.g., $100). Real value adjusts for inflation, showing actual purchasing power. Planning for retirement? Always consider real value to maintain your lifestyle.
What Inflation Rate to Use?
The Federal Reserve targets ~2% annually, but actual inflation varies. For conservative financial planning, 3%–3.5% is recommended. Use 2% for optimistic scenarios.
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FAQ
Quick answers to common questions.
How does inflation affect the value of money?
Inflation increases the cost of goods and services over time, meaning the same amount of money buys less in the future. At 3% annual inflation, $100 today would have the purchasing power of roughly $74 in 10 years.
What is the Rule of 72?
A quick formula to estimate doubling or halving time. See our Compound Interest Calculator for a detailed explanation.
What inflation rate should I use?
For the US, the Federal Reserve targets ~2% inflation. However, actual inflation varies. For conservative planning, using 3%–3.5% is recommended.
What is the difference between nominal and real value?
Nominal value is the face value of money without accounting for inflation. Real value adjusts for inflation, reflecting actual purchasing power. $100 nominal today may only be worth $74 in real terms after 10 years at 3% inflation.