What your savings really earn after inflation and tax, and what they will be worth in today's money.
Figures checked: October 2026 · Methodology and sources
The interest your bank pays is the nominal rate. What you can buy with it depends on inflation: if prices rise faster than your interest, your savings lose value even as the balance grows.
The real rate is (1 + rate after tax) / (1 + inflation) − 1. The calculator also shows what your amount will be worth in today's money after the years you choose.
It is a close approximation for small rates, but the exact formula divides, which matters when rates or inflation are high.
Yes: whenever inflation is higher than what your savings earn after tax.
Over long periods, usually by investing part of your savings rather than keeping everything in cash.
Indicative results. This is not financial advice.
Know how much you will have left at the end of the month
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