Inflation Calculator
See how inflation erodes purchasing power and adjust future values.
Inflation Calculator
Results update automatically as you type.
Your estimate
Future cost
Amount needed to match today's purchasing power
R 170 814
Future purchasing power
What today's amount will be worth
R 58 543
Purchasing power lost
R 41 457
Understanding inflation's impact
Inflation reduces the purchasing power of money over time. What costs R100 today will cost more in future years at the prevailing inflation rate.
South Africa's inflation target is 3–6%, with recent CPI often in the 4–6% range. Planning with realistic inflation assumptions prevents underestimating future costs.
Use this calculator to convert today's rands into future equivalents, or to see what a past amount would be worth in today's terms.
Frequently asked questions
What inflation rate should I use for planning?+
Many financial planners use 5–6% for long-term South African planning, aligned with the SARB's target range and historical averages.
How is CPI different from my personal inflation?+
CPI measures average price changes for a basket of goods. Your personal inflation depends on what you spend on — medical aid and education often rise faster than CPI.
Why does inflation matter for investments?+
Nominal returns must exceed inflation to grow real wealth. A 8% return with 6% inflation means only 2% real growth.
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