Compound interest calculator (with inflation)
See how your money could grow over time — and what it might be worth after inflation. This page includes a calculator, a graph, and a year-by-year breakdown.
Important: This tool provides estimates for educational use only. It is not financial advice. Real returns can differ due to changing rates, fees, tax, and inflation.
Calculator
| Year | Contributed (nominal) | Interest earned (nominal) | End balance (nominal) | End balance (after inflation) |
|---|---|---|---|---|
| Enter values and click Calculate. | ||||
Inflation adjustment shown here is a simple “today’s money” conversion (a common way to compare future values).
What does “after inflation” mean?
A future amount can look large in pounds, but inflation reduces what money can buy over time. “After inflation” values on this page are expressed in today’s money, using your inflation rate assumption.
Nominal
The raw pounds shown by the growth calculation (no adjustment for rising prices).
After inflation (real)
The same amount, adjusted to reflect what it may be worth in today’s spending power.
FAQ
Is this financial advice?
No — this is for educational purposes only.
Does inflation change the actual balance?
No. Inflation doesn’t change the nominal balance — it changes what that balance can buy.