Tools · Inflation Breakeven
How fast inflation
actually eats your savings.
Enter your savings, the inflation rate, and your APY. See exactly how many years until you lose 10%, 20%, or 50% of your purchasing power. The tool that makes inflation visceral instead of abstract.
PURCHASING POWER LOSS TIMELINE
SIDE BY SIDE
| Account | APY | Real return | Years to lose target |
|---|
Moving savings from a big bank to an HYSA or money market fund is typically the single highest-ROI 15-minute decision in personal finance. See Where to Bank.
What this tool assumes
- Real return = nominal return - inflation rate.
- Cash and HYSA rates approximate mid-2026 yields; actual rates vary.
- Bitcoin return is a historical CAGR marker, not a prediction.
Not financial advice. Your numbers stay in your browser.
HOW THIS IS CALCULATED
This tool runs entirely in your browser — no data is sent to any server. All formulas use standard financial math. Verify the methodology or inspect the source code in your browser's dev tools.