Inflation Calculator
Your savings account is charging you a fee. It just doesn't put it on the statement.
Enter your savings balance, your bank's interest rate, and how many years you want to look at. We'll show you the fee you've been paying without knowing it.
Our DCA calculator runs the same question against actual historical Bitcoin prices. Pick your amount, your timeframe, and see what the numbers say. No projections — real data only.
We use the standard real return formula: Real Value = Nominal Value × ((1 + interest rate) / (1 + inflation rate))^years. This adjusts your savings account's growth for the erosion caused by rising prices.
3.4% is the approximate average annual CPI (Consumer Price Index) inflation rate in the United States over the last 20 years, as measured by the U.S. Bureau of Labor Statistics. CPI measures the average change in prices paid by consumers for goods and services. We use this as our baseline assumption because it reflects long-term historical reality, though inflation has been higher in recent years (7.0% in 2021, 6.5% in 2022).
The Bitcoin comparison uses actual year-end closing prices from 2014 through 2024. We simulate a simple dollar-cost averaging strategy: investing your monthly equivalent amount once per year at that year's closing price. This is a simplified model. real DCA would be monthly. Past performance does not predict future results. Bitcoin is volatile and you could lose money.
Inflation data. U.S. Bureau of Labor Statistics (bls.gov). Bitcoin price data. historical closing prices, CoinGecko.