Inflation and Retirement Calculator

How does inflation affect your purchasing power?


To see how much inflation will change your retirement dollars’ value, replace the numbers below.
Click on Calculate, read results, then click on Next to add more figures and make your results more specific.
Once you’ve completed all calculations, your numbers will be accessible in the four tabs below.
I've saved
$
for retirement, growing at a rate of
%
per year
. At
%
inflation, what will my purchasing power be after
years?

How will my annual expenditures of
$
increase?


If I earn an annual income of
$
growing at a rate of
%
per year, will I be able to maintain my standard of living in the coming years?
Calculate
Please enter a number in the box above

What about when my portfolio is growing?

Unlock Scenario 2

How will my annual expenses be affected by inflation?

Unlock Scenario 3

How will inflation affect my retirement?

Unlock Scenario 4

Purchasing Power of Sitting Cash at Annual Inflation

Year Purchasing Power:
What $ can buy you (in today's dollars)
Percentage Decrease Net Loss in Purchasing Power
Equities -
-55%
At annual inflation, sitting cash would lose of its purchasing power by the year .
Scenario values computed are a projection based on a flat, recurring annual inflation rate input by the user. Actual inflation rates are highly variable and dependent on a multitude of factors, such as market health and fiscal policy.

Purchasing Power of a Portfolio Growing at vs Inflation

Year Portfolio Growth Cost of $ of goods and services Net against Inflation Remaining Purchasing Power
Even though your portfolio is growing by each year, due to annual inflation, you would have worth of purchasing power by the year .
Scenario values computed are a projection based on a flat, recurring annual inflation and portfolio growth rate input by the user. Actual inflation and portfolio growth rates are highly variable and dependent on a multitude of factors, such as investment strategy, market health, and fiscal policy.

Income Needed to Maintain a $ Standard of Living

Year Annual Expenses Percent Increase Additional Income Needed to Maintain Standard of Living
100% Silver Silver +
+204%
+
100% Gold Gold +
+352%
+
At inflation, annual expenses of $ in 2022 would increase to by the year .

If you wanted to maintain your current standard of living, you would need to spend an additional in .
The values presented are a projection based on a flat, recurring annual inflation rate and annual expenses input by the user. This model does not take into account the possibility of new and cheaper goods and services that could reduce standard of living costs.

Retirement Scenario: Covering the Rising Cost of Living with Portfolio Interest, Income, and Withdrawls

Year Portfolio Value Portfolio Interest
( used as income)
Annual Income
( Annual Compounding Growth)
Retirement Income (Portfolio Interest + Annual Income) Cost of Living
($ increasing by )
Budget Surplus/Deficit After Standard of Living Expenses
Using your combined income and portfolio interest to cover the rising cost of living, and adding / subtracting the net difference from your savings, your portfolio would to by the end of .
Scenario values computed are a projection based on a flat, recurring annual inflation, portfolio growth, and income growth rates input by the user. This model does not take into account the possibility of new and cheaper goods and services that could reduce standard of living costs. Actual inflation, portfolio growth, and income growth rates are highly variable and dependent on a multitude of factors.
U.S. National Debt:

Disclaimers: