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Inflation Calculator

See how inflation erodes today's dollar over decades.

PrivateFreeSourcedReviewed

$1,000 from 1990 = today

$2,548

in 2026 dollars (BLS CPI-U)
Same $1,000 now buys
$392

of 1990 stuff

Cumulative inflation
155%

1990 → 2026

Years
36

That's 155% cumulative inflation from 1990 to 2026: cash that sat still lost 61% of its buying power. Source: BLS

Your numbers

$1,000

Next steps

The Inflation Calculator shows what today's dollars will buy in 5, 10, or 30 years — and what past dollars buy today — using realistic CPI assumptions. Inflation is the silent tax that quietly turns a retirement plan that 'looks fine on paper' into a shortfall, and seeing the numbers explicitly is the only way to plan around it.

How this calculator works

  1. Enter an amount in today's dollars.
  2. Pick a time horizon (forward or backward).
  3. Set the inflation rate. The long-run US average is about 3% per year (BLS CPI-U). Recent years have run higher; the calculator lets you adjust.
  4. Read the projected purchasing power. The chart makes it visceral: a $1M nest egg at 3% inflation has the buying power of $554K after 20 years.

FV = PV × (1 + i)^t (or PV = FV / (1 + i)^t for past-to-present)

Compound inflation works the same way as compound interest — but going the wrong way. Every year, prices rise by the inflation rate, so a fixed nominal dollar amount buys less. Over 20–30 years the effect is dramatic.

FV
Future value (what an amount will be worth in nominal dollars later)
PV
Present value (today's dollars)
i
Annual inflation rate
t
Time in years

Frequently asked questions

What inflation rate should I assume?

Long-run US CPI has averaged around 2–3% per year. Recent years have been higher; the calculator lets you adjust to your own assumption.

Why does inflation matter for retirement?

At 3% inflation, prices roughly double every 24 years. A retirement nest egg that ignores inflation can underfund your later years by half.

How can I protect savings from inflation?

Hold long-term savings in assets that historically beat inflation — broadly diversified stocks, I bonds, and TIPS — rather than only cash.

Sources used in this calculator

Reviewed by the Money Scale editorial team. How we source our data

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