INFLcompound
Inflation Calculator 2026
How much will $10,000 be worth in 20 years with 3% inflation? Or in reverse — what's today's purchasing power of $10,000 received 20 years from now? Includes a real-return helper that converts nominal to real using the standard Fisher equation: (1+real) = (1+nominal)/(1+inflation).
Updated: ·See data sources
§ 01
How to use
- Enter amount & years. Your dollars/VND and time horizon.
- Set the inflation rate. Global average ~3%/year; US 2.5%; VN 3–4%.
- Pick direction. Future cost or today's purchasing power.
§ 02
Key features
Both directions
Future cost or today's purchasing power.
Real return helper
Fisher equation converts nominal → real.
Year-by-year
Per-year table showing inflation erosion.
Total % change
Single metric for quick intuition.
Multi-currency
8 popular currencies.
Free
No ads, no data collection.
§ 03
Why Treasury.to?
- Both directions: future + past
- Fisher equation for real return
- Multi-currency
- Instant
- Free
- Mobile-first
§ 04
Frequently asked questions
01What inflation rate should I use?
US historical: ~2.5%/year; Fed target 2%. Vietnam: 3–4%. Global average: ~3%.
02What's a real return?
It's the rate after stripping inflation — actual purchasing-power gain. 8% nominal with 3% inflation = ~4.85% real.
03How is purchasing power different from nominal price?
$50K in 2000 ≈ $90K in 2024 in purchasing power. Nominal numbers rise but so do prices — real value tells you whether you're actually better off.
04Why does my 4% savings account feel like I'm losing money?
With ~3% inflation, your real return is only ~1%. Nominal balance rises but its purchasing power barely budges — the classic inflation drag on cash holdings.
05How does inflation change my FIRE Number?
Either calculate FIRE using the expenses you expect at retirement age (after inflation), or use real returns in the FIRE Calculator so everything stays in today's dollars and no retroactive adjustment is needed.
06At what inflation level should I be worried?
Above 5%/year, cash loses serious ground. Above 10% (Argentina-style), holding cash loses ~50% of purchasing power in 7 years. Inflation-resistant assets — equities, real estate, TIPS — become essential.