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Calculators · Inflation

Is your savings shrinking?

The number in your bank account can go up while what it buys goes down. Put in your own numbers and see both.

$
% a year
0.38% is the U.S. average for savings accounts (FDIC, Oct. 2026). Check your own statement.
% a year
Prices rose 3.7% in the 12 months to Sept. 2026. The Fed aims for 2%.
years

In 10 years, your $10,000 will buy what this buys today

$7,221

In the bank
Buying power lost
Interest earned

The gap, year by year

In the bankWhat it buys, in today's dollars

Follow the moneyPurchasing powerInflationThe shrinking dollarHow to get to a million

An illustration using your assumptions: real inflation and bank rates change every year. Interest is added once a year and taxes on interest are left out. Education, not financial advice.

Sources: FDIC national rate for savings accounts, 0.38% (Oct. 2026, via FRED series SNDR). Inflation: BLS Consumer Price Index (CPI-U), 324.800 in Sept. 2025 to 336.940 in Sept. 2026 (+3.7%). Fed 2% goal: Federal Reserve.