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Inflation Risk
Inflation Impact on Retirement
See how different inflation rates erode your purchasing power over a 30-year retirement — and how much extra you need.
Annual Retirement Spending (Today's Dollars) $72,000
Retirement Portfolio ($)
Retirement Length (Years)
Select Inflation Scenario
1.5%Low
2.5%Moderate
4.0%Elevated
6.0%High
Your Spending in Year 30 (Inflation-Adjusted)
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vs. today's dollars
Purchasing Power Lost
—
of today's dollars
Extra Portfolio Needed
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to maintain lifestyle
—
—
Year 10 Spending
—
Year 20 Spending
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Total 30-Yr Cost
Annual Spending Required — All 4 Inflation Scenarios
Illustrative only. Assumes constant real spending needs. Not financial advice. Predictable Income

Inflation Impact on Retirement Calculator

The Inflation Impact on Retirement calculator helps retirees and FIRE planners visualize the most underestimated threat to a retirement plan: the slow, compounding erosion of purchasing power. Enter your expected annual spending, portfolio size, and retirement length, then toggle between four inflation scenarios from a low 1.5% to a high 6.0% to see exactly what your lifestyle will cost in Year 10, Year 20, and Year 30, how much purchasing power you'll lose, and how much extra portfolio you'd need to fully offset the damage. The multi-line chart makes the divergence between scenarios immediately legible, and the plain-language insight box translates the math into a single actionable number.