Inflation Calculator

What is inflation?

Inflation is a sustained increase in the general price level of goods and services. As prices rise, each krona buys less than it did before — your purchasing power shrinks.

Sweden's central bank, the Riksbank, targets an annual inflation rate of 2%. In practice, inflation fluctuates. Between 2022 and 2023, Swedish inflation (KPIF) exceeded 6% — the highest in over 30 years.

How the calculator works

Enter an amount, an expected annual inflation rate, and a time period. The calculator shows:

• Future cost — what goods costing your amount today will cost in the future
• Real value — what your money will actually be worth in today's purchasing power
• Purchasing power lost — how much value inflation strips away

The formula is straightforward:

Future Price = Amount × (1 + r)^t

Real Value = Amount / (1 + r)^t

Where r is the annual inflation rate and t is the number of years.

How inflation compounds

Like interest, inflation compounds. A 2% annual rate doesn't mean 20% over 10 years — it means 21.9%. Over 30 years, that same 2% rate reduces your purchasing power by 45%.

| Annual inflation | 10 years | 20 years | 30 years |

|---|---|---|---|

| 2% | −18% | −33% | −45% |

| 3% | −26% | −45% | −59% |

| 5% | −39% | −62% | −77% |

Even at the Riksbank's 2% target, your money loses nearly half its value in a single generation.

Swedish inflation context

Key references for choosing a realistic rate:

• Riksbank target: 2% (KPIF — CPI with fixed interest rate)
• Historical average (2000–2020): ~1.5%
• 2022–2023 spike: 6–10% (energy crisis, post-pandemic supply chains)
• Current trend (2025): returning toward 2–3%

SCB (Statistics Sweden) publishes monthly CPI and KPIF data for the most up-to-date figures.

Why this matters for investors

If your portfolio returns 7% but inflation is 3%, your real return is only ~4%. Many investors track nominal returns without accounting for inflation, overestimating their actual wealth growth.

This is especially important for:

• Cash savings — savings accounts rarely beat inflation, meaning your money is slowly losing value
• Fixed-income investments — bonds with fixed coupons lose purchasing power during high inflation
• Retirement planning — a comfortable retirement today may cost significantly more in 20–30 years

Beat inflation with real portfolio tracking

A calculator shows you the math. Findex shows you the reality — your actual portfolio performance adjusted for inflation, across every asset class. Connect your accounts and see whether your wealth is truly growing or just keeping up.