Free online purchasing power calculator. Calculate how inflation affects your money's value over time. Pure frontend local computation. | No registration · 100% private
Zero dependencies · Works offlinePurchasing power is how much goods and services your money can buy. Inflation erodes it — $100 today buys less than $100 did 10 years ago.
US long-term average: ~3.2%
Healthy target inflation: 2%-3%
China recent 10-year CPI: ~2%
Investing is key: 1) Stocks average 7-10% long-term, well above inflation; 2) Real estate appreciates with inflation; 3) TIPS bonds are directly CPI-linked; 4) Gold is a traditional inflation hedge. Keeping cash in a low-interest savings account means losing purchasing power every year.
CPI is a weighted average. Your personal spending mix may differ — if you spend more on rent and food, your experienced inflation may be higher. Asset prices (housing, stocks) are not included in CPI.