GenzeeInflation Impact Calculator
See what a sum of money today will actually be able to buy in the future, after a chosen average inflation rate erodes its purchasing power.
What PKR 100,000 today will buy in 10 years
PKR 46,319
worth of today's goods and services
What "purchasing power" means here
This is not a currency conversion — it is the same currency, measured against itself over time. Inflation means prices rise, so the same amount of money buys a shrinking basket of goods and services each year. This calculator shows what today's amount would be able to buy in the future, expressed in today's terms, after a chosen average inflation rate.
Why this matters for savings held in cash
Money sitting in a low-interest or zero-interest account is not "safe" from this effect — it can still lose real value every year inflation runs ahead of whatever interest it earns. A rate of return has to at least match inflation just to preserve purchasing power; anything below that is a real (inflation-adjusted) loss, even while the nominal number on the account statement keeps growing or stays flat.
Why this matters for long-term planning
A retirement or savings target set only in today's rupees, without accounting for inflation over a multi-decade horizon, will fall dramatically short by the time it is actually needed — the calculator's "future equivalent" figure shows how much a future target actually needs to be to match today's purchasing power, which is the number long-term plans should really be built around.
Frequently asked questions
What inflation rate should I use?
A country's recent average annual inflation rate is a reasonable starting point, though it fluctuates year to year. For long-term planning, many people use a conservative long-run average rather than the most recent single year's figure, which can be unusually high or low.
Does this account for investment returns?
No — this isolates the effect of inflation alone on a static sum. To see the combined effect of both investment growth and inflation, use a savings or retirement calculator with a real (inflation-adjusted) return rate instead.
Why does money "lose value" even if I never spend it?
Because the prices of everything it could buy keep rising. The number on your account statement does not shrink, but what that number can purchase does — that gap is what this calculator measures.