Skip to content
Durga Puja · Oct 16–18
Financial education · Guides · Calculators
Dimeguard

Calculator

See what your savings may buy in 10, 20, 30 years.

Put in an amount, pick a horizon and a rate, and see how inflation erodes purchasing power — quick what-if math with every assumption on screen.

Book a 20-min call
20
3.0%

What it would buy in 20 years

$55,368

About 45% of today’s purchasing power lost. Put the other way: what costs $100,000 today would cost about $180,611 then.

A single flat rate, compounded annually. Real inflation moves year to year and differs by category — housing, healthcare, and college tend to run hotter than the average. A directional estimate for a conversation, not a forecast.

At 3.0% per year

In 10 years
$74,409
In 20 years
$55,368
In 30 years
$41,199

This is why “keeping it in cash” is itself a decision with a cost — and why retirement planning talks about real (after-inflation) income, not just a nest-egg number.

Before you read too much into it

What a number like this can and can't tell you.

An inflation estimate is a way of asking a better question, not a forecast. These are the limits worth holding in mind.

What does this calculator actually do?

It compounds a single annual inflation rate over the years you choose and shows what today's amount would still buy — and, symmetrically, what today's expenses would cost then.

What inflation rate should I use?

The default is a middle-of-the-road long-run assumption. Try it higher as well as lower — and remember categories like housing, healthcare, and college have historically run above the headline average.

Why does this matter for retirement planning?

Because a nest-egg number that looks comfortable in today's dollars buys less every year you hold it. Planning conversations work in real, after-inflation income for exactly this reason.

Is this advice?

No. It's a directional estimate meant to start a conversation. Nothing here accounts for your actual spending mix, taxes, or how your savings are invested.

DimeGuard LLC is a financial-education platform, not a licensed insurance agency or professional advisory firm. Content is general education, not individualized tax, legal, accounting, investment or insurance advice. Insurance services are offered separately by Saral Toms only where he is personally licensed and authorized.