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At 3.5% inflation, $1,000,000 will buy what $708,919 buys today in 10 years — a loss of $291,081.
Money sitting still loses value even when the number on the statement does not change. At 3.5% inflation, the $1,000,000 you have today will buy what $708,919 buys now once 10 years have passed — $291,081 of purchasing power gone, or 29% of what you started with. Stretch that to 20 years and it is worth $502,566; to 30 and $356,278.
The same arithmetic runs the other way for prices: something costing $1,000,000 today would cost about $1,410,599 in 10 years at the same rate. That is why cash held long-term is not actually safe, and why a savings rate below inflation still loses money. The calculator below is set to $1,000,000 at 3.5% — change the rate to match your own expectations, or flip the mode to work out future costs instead.
Calculate how inflation erodes your money's purchasing power over time
Future Buying Power
Lost Purchasing Power: -$2,911
Purchasing Power Breakdown
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At 3.5% annual inflation, in today’s purchasing power.
| After | Worth in today’s money | Purchasing power lost | What $1,000,000 of goods will cost |
|---|---|---|---|
| 5 years | $841,973 | $158,027 | $1,187,686 |
| 10 years | $708,919 | $291,081 | $1,410,599 |
| 15 years | $596,891 | $403,109 | $1,675,349 |
| 20 years | $502,566 | $497,434 | $1,989,789 |
| 25 years | $423,147 | $576,853 | $2,363,245 |
| 30 years | $356,278 | $643,722 | $2,806,794 |
Amounts