See what your future balance may buy in today’s dollars

Inflation-adjusted investment future value calculator

Project the value of your current investment and monthly contributions, then adjust the result for inflation to understand its purchasing power in today’s dollars.

End-of-month depositsMonthly compoundingInflation adjusted

Calculator inputs

Results update as you change the assumptions.

Current investment

$100K

Monthly contribution

$1K

Investment period

From 1 to 60 years

Expected annual return

Converted to an equivalent monthly compound rate.

Expected annual inflation

Used to express the result in today's purchasing power.

Results

Assumes your inputs remain constant throughout the period.

Estimate

Projected future value$367.8K$367,767

Value in today's dollars$287.3K$287,299

Total contributions: $220,000
Estimated investment gain: $147,767
Inflation adjustment: $80,468

The inflation adjustment is not a fee. It shows the difference in purchasing power between future dollars and today's dollars.

Projected value by year

Compare nominal value, today's purchasing power, and total contributions.

Nominal valueToday's valueTotal contributions

Hover over or touch the chart. With a keyboard, use the left and right arrow keys to move between years.

Yearly breakdown

Review the same values from the chart as exact dollar amounts.

Year	Total contributions	Nominal value	Value in today's dollars	Investment gain
Year 0	$100,000	$100,000	$100,000	$0
Year 1	$112,000	$119,380	$116,469	$7,380
Year 2	$124,000	$140,117	$133,366	$16,117
Year 3	$136,000	$162,306	$150,717	$26,306
Year 4	$148,000	$186,047	$168,550	$38,047
Year 5	$160,000	$211,451	$186,892	$51,451
Year 6	$172,000	$238,633	$205,772	$66,633
Year 7	$184,000	$267,718	$225,221	$83,718
Year 8	$196,000	$298,838	$245,270	$102,838
Year 9	$208,000	$332,137	$265,952	$124,137
Year 10	$220,000	$367,767	$287,299	$147,767

Calculator inputs

Preparing the calculator with default assumptions.

100,000

1,000

2.5

Results

Assumes your inputs remain constant throughout the period.

Estimate

Projected future value$367.8K$367,767

Value in today's dollars$287.3K$287,299

Total contributions: $220,000
Estimated investment gain: $147,767
Inflation adjustment: $80,468

The inflation adjustment is not a fee. It shows the difference in purchasing power between future dollars and today's dollars.

How to read the results

Projected future value is the nominal balance you may see in the future. Value in today’s dollars adjusts that balance for inflation so you can compare its purchasing power with money today.

Convert the annual return to a monthly rate

The effective annual return is converted to an equivalent monthly compound rate.

Monthly rate = (1 + annual return)^(1/12) - 1

Add contributions at month end

Each month’s growth is applied before the recurring contribution is added.

Next balance = current balance × (1 + monthly rate) + contribution

Adjust for purchasing power

The nominal future balance is divided by cumulative inflation over the selected period.

Today’s value = future value ÷ (1 + inflation)^years

What this calculator assumes

Monthly contributions are made at month end and remain constant.
The annual return is converted to a monthly compound rate.
The inflation rate remains constant each year.
Taxes and investment fees are excluded.
Actual investment returns can vary from year to year.

Starting with $100,000 and investing $1,000 per month

This example assumes a 7% annual return and 2.5% annual inflation for 10 years.

Total contributions: $220,000
Projected future value: About $367,767
Value in today’s dollars: About $287,299

This example explains the method and does not guarantee any investment return.

Frequently asked questions

Understand the assumptions and what each result means.

What is the difference between future value and today's value?

Future value is the nominal amount your investment may reach. Today's value adjusts that amount for expected inflation to express its purchasing power in current dollars.

What expected return should I enter?

Use a conservative long-term annual return rather than relying on one product's recent performance. Compare several scenarios, such as 3%, 5%, and 7%, instead of treating one estimate as certain.

When are monthly contributions added?

The calculator assumes the same contribution is made at the end of each month. Each contribution is added after that month's investment growth is applied.

Does the calculation include taxes and fees?

No. Taxes, trading costs, fund expenses, advisory fees, and currency conversion costs can all reduce actual results.

Why does a higher inflation rate reduce today's value?

The nominal future value remains the same, but faster price increases reduce what that future amount can buy. The inflation-adjusted value therefore appears lower.