Estimate, not a legal decision
Use the result as decision support and planning help. For high-stakes choices, confirm the details with the relevant authority, lender, employer, or adviser.
Savings & goals
Inflation and Purchasing Power Calculator
See what today's money may need to equal in the future and how an unchanged amount loses purchasing power.
Effect of inflation
Read the same change as a future cost and as purchasing power.
- Equivalent future cost
- SEK 12,190
- Purchasing power of the same amount
- SEK 8,203
- Total price increase
- SEK 2,190
- Cumulative inflation
- SEK 22
The amount needed to buy the same thing if prices follow your assumption.
Details
What the unchanged amount would be worth in today's money.
Future cost minus today's amount.
The compounded price change over the whole period.
Analysis & guidance
Think in real terms
Compare with the savings calculator and separate nominal returns from purchasing-power growth.
Your basket is personal
Use the household budget to identify the prices that matter most to you.
Leave room in long plans
Test retirement plans with both cautious returns and higher inflation.
Common questions
How is inflation calculated?
The amount is multiplied by (1 + annual inflation) to the power of the number of years. Purchasing power uses the inverse.
Can inflation be negative?
Yes. A broad fall in prices is deflation. Negative scenarios are supported, although long-term plans should not rely on continuing price falls.
Which rate should I use?
Use a central assumption and test higher and lower cases. For Sweden, the Riksbank's inflation target is 2 percent measured by CPIF, but actual inflation varies.
Is this a forecast?
No. It is a constant-rate scenario, not a prediction of future prices.
Inflation compounds
Two percent a year adds up to more than 20 percent over ten years because each increase builds on the previous price.
Your inflation can differ
Official indices follow a broad basket. Your experience depends on how much you spend on housing, food, transport, and other categories.
Test a range
Future inflation is uncertain. Compare several rates when planning savings, retirement, or a household budget.
Inflation, prices, and purchasing power
How to use the calculator
Enter an amount in today's money, choose an average annual inflation rate, and set the number of years. The calculator shows both the future cost of the same purchase and the future purchasing power of an unchanged amount. These are two views of the same price movement. Try a grocery budget, a regular household expense, or a savings target rather than an abstract number.
Why two percent becomes more than twenty
Inflation compounds. A price of 10,000 becomes 10,200 after one year at 2 percent, and the next increase applies to 10,200. After ten years the equivalent cost is about 12,190, a cumulative increase of roughly 21.9 percent. The same compounding that helps investments can work against cash that does not grow.
Official inflation and your own basket
Consumer price indices follow a broad basket of goods and services. Sweden's Riksbank targets 2 percent inflation measured by CPIF, but actual inflation varies over time. Your household may also feel a different rate depending on how much goes to housing, food, electricity, or transport. That is why this tool accepts your own assumption instead of presenting one forecast as fact.
Plan with a range
No one knows the average rate for the next decade. Compare a central case with higher and lower alternatives. When planning savings, look at returns after fees, tax, and inflation. For retirement or a household budget, include an uncomfortable case as well. This result is a constant-rate scenario, not a promise about future prices.
How to read this calculator
These results are meant as guidance. They are based on rules, assumptions, and simplified models that can differ from your exact real-world situation.
Methodology
Each calculator uses defined inputs, assumptions, and logic. We explain the broader approach on the methodology page.
Read methodologySources and updates
Important calculators should be traceable back to official rules, public guidance, or other clearly stated references.
Read about sourcesOfficial Swedish sources
Common questions
Savings goal & compound interest
Compare with the savings calculator and separate nominal returns from purchasing-power growth.
Separates your own contributions from pure investment returns.
Open savings calculatorHousehold budget calculator – monthly money left
Use the household budget to identify the prices that matter most to you.
See money left, savings capacity, and annual margin
Build a household budgetPension Calculator (2026) - state, occupational, private
Test retirement plans with both cautious returns and higher inflation.
Shows estimated monthly pension at your chosen retirement age and the breakdown across the three pension pillars.
Open pension calculator