Inflation calculator
How inflation changes the purchasing power of money over time
Purchasing power in 10 years
463 193,49 ₽
−53.68% of 1 000 000,00 ₽
Purchasing power lost
536 806,51 ₽
in today's money
The same sum at future prices
2 158 925,00 ₽
1 000 000,00 ₽ today
Year by year
| Year | Purchasing power | Share of today | Future price |
|---|---|---|---|
| 1 | 925 925,93 ₽ | 1 080 000,00 ₽ | |
| 2 | 857 338,82 ₽ | 1 166 400,00 ₽ | |
| 3 | 793 832,24 ₽ | 1 259 712,00 ₽ | |
| 4 | 735 029,85 ₽ | 1 360 488,96 ₽ | |
| 5 | 680 583,20 ₽ | 1 469 328,08 ₽ | |
| 6 | 630 169,63 ₽ | 1 586 874,32 ₽ | |
| 7 | 583 490,40 ₽ | 1 713 824,27 ₽ | |
| 8 | 540 268,88 ₽ | 1 850 930,21 ₽ | |
| 9 | 500 248,97 ₽ | 1 999 004,63 ₽ | |
| 10 | 463 193,49 ₽ | 2 158 925,00 ₽ |
Reference block: the method, a worked example and answers to common questions. It does not affect the calculation above.
How it is calculated
- Inflation is quoted as an annual pace, so the projection steps by years: factor = (1 + rate / 100) ^ years. It shows how many times prices grow over the horizon.
- The real value is today’s sum divided by the factor — what the money will be “worth” in current prices. The future price is the sum times the factor — what it will take then to buy what the entered amount buys today.
- The loss of purchasing power in percent depends on the rate and the term alone: loss = (1 - 1 / factor) * 100 — the size of the sum does not enter it.
- The by-year table shows both curves: the real value melting and the future price climbing. Amounts are rounded to the kopeck once, from the factor’s exact value.
Worked example
The figures the page opens with: 1 000 000 ₽ at 8% inflation over 10 years. The factor is about 2.16 — prices more than double in a decade.
The million’s real value is 463 193.49 ₽: purchasing power more than halves, a 53.68% loss. And buying what costs a million today will take 2 158 925 ₽ in 10 years.
Frequently asked questions
Where do I get the inflation rate?
Official annual inflation is published by the statistics service; the regulator targets about 4%. For personal planning it is more honest to use your own basket’s inflation — it can differ from the official figure either way. Enter the rate you believe in.
Why isn’t the loss just rate times years?
Inflation compounds: each year prices grow from the already-grown level. 8% over 10 years is not 80% but a 116% price rise — which is why purchasing power falls by 53.68% rather than 80%.
How do I protect money from inflation?
Keep it in instruments yielding at least the inflation rate: deposits, bonds, regular investing. Compare: the “Deposit” calculator shows growth at your rate, this one shows price growth; the difference is the real yield.
What does “in today’s rubles” mean?
Bringing future sums to present purchasing power — the way money from different years is compared. “463 193.49 ₽ in today’s rubles” means the future million will buy as much as 463 thousand does now.
Can I project 20-30 years ahead?
The arithmetic holds for up to a century, but the longer the horizon the softer the forecast: annual inflation varies a lot. Long horizons are computed in scenarios — run 4%, 8% and 12% and read the range, not one number.
Does it handle deflation?
A negative rate cannot be entered — the projection is for positive inflation. At a zero rate both curves are flat: the real value and the future price equal the entered sum.
How do I compute the real return of a deposit or investment?
Roughly — subtract inflation from the nominal rate: a deposit at 18% against 8% inflation earns about 10% of real growth, while one at 6% loses about 2% of purchasing power a year. More precisely — run the sum through “Deposit”, then its result through this calculator.