See how much real value your money loses every year to inflation. Compare cash vs FD vs stocks vs gold.
What is Inflation Destroyer Calculator?
The financial wake-up call your savings need. Enter any amount and see its true purchasing power after 5, 10, 20, 30 years of inflation. Compares 5 strategies (idle cash, fixed deposit, stocks, gold, custom) with real-world translations (today's money buys X cars, in 10 years only buys half a car). Features: animated purchasing-power timeline chart, yearly breakdown, break-even calculator, personalized action plan, and supports INR, USD, GBP, EUR, AED, SAR, JPY with country-specific inflation rates.
How to Use
Select your country (uses local inflation rate)
Enter your savings amount
Set time horizon (5, 10, 20, 30+ years)
Adjust inflation rate if needed
Pick a strategy: Cash, FD, Stocks, Gold, or Custom
See your real purchasing power and compare strategies
Check real-world translations and yearly breakdown
Frequently Asked Questions
What is inflation?
Inflation is the rate at which prices rise over time. 6% inflation means something that costs ₹100 today will cost ₹106 next year.
How is real value calculated?
Real value = Nominal value / (1 + inflation)^years. Or for investments: principal × (1 + return)^years / (1 + inflation)^years.
Why is cash losing value?
If cash earns 0% and inflation is 6%, your money buys 6% less every year. Over 10 years it buys ~45% less.
What beats inflation?
Historically: stock markets (12% long-term India), gold (8% India), and equity mutual funds. FDs barely match inflation, and cash always loses.
Is 12% stock return realistic?
Indian Nifty 50 has delivered ~13% annualized over 25+ years. US S&P 500 ~10%. Past performance is not guaranteed but it's the historical benchmark.
Is my data stored?
No. All calculations happen in your browser.
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