Tool · Finance

What will your money be worth in a few years?

Inflation is a silent tax on idle money. See how much purchasing power you'll lose if you leave it still, and compare it with holding it in an interest-bearing account.

Idle money isn't safe money: it loses value every year to inflation. See how much purchasing power your money will have in a few years if it sits still, and compare it with keeping it in an interest-bearing account.

Amount of money today (€)Average annual inflation (%)In how many yearsInterest if held in a savings account (%)

Your idle money, in 20 years · Will be worth, in today's purchasing power€5,537

Purchasing power lost−€4,463

You'd need to have by then€18,061

If held at 2.5% · its real value would be€9,073

Money in a current account loses; held at the indicated interest, it still loses purchasing power (the interest doesn't beat inflation).

Real value (idle)Real value (with interest)

Calculated with constant inflation and interest, for illustration. In reality both vary every year. The "value in today's purchasing power" discounts cumulative inflation.

Educational, indicative tool. This is not financial advice or an investment recommendation. Future inflation and interest rates are uncertain; the results are approximations to illustrate a concept, not a forecast.

The silent enemy of your savings

Keeping money "safe" in a current account isn't as safe as it seems. With average inflation of 3% a year, idle money loses roughly half its purchasing power in a little over two decades. It's not that you have fewer euros: it's that each euro buys less.

This doesn't mean you should invest everything riskily. It means understanding that the risk of doing nothing also exists, and that an interest-bearing account or a low-risk product that at least matches inflation is the difference between preserving your purchasing power and watching it erode every year.

Pair it with the Compound Interest Simulator to see the other side: how money grows when it works for you.