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FINANCIAL TOOLS / Everyday money

Inflation & buying power

See a future cost and what an unchanged cash amount could buy in today’s dollars.

Make it your own

Start with an example, then change any value. Enter 0 for none; a blank field cannot be calculated. All money amounts are NZD.

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Your estimate

Equivalent cost in 10 years

$12,189.94

The future cost of the same purchase, assuming the annual inflation rate stays constant. The chart shows nominal cost, not investment growth.

Cost today
$10,000.00
Buying power of unchanged cash, in today’s dollars
$8,203.48
Change in nominal cost
$2,189.94
Illustrative amounts over time, in NZDYear 0: $10,000.00. Year 10: $12,190.00. All chart values are available in the expandable text list below.$12.2K$0Year 0Year 10
Illustrative amounts in NZD. Engine-provided chart points may be rounded to whole dollars; headline figures use the engine’s summary precision.
View all chart values
Year 0
$10,000.00
Year 1
$10,200.00
Year 2
$10,404.00
Year 3
$10,612.00
Year 4
$10,824.00
Year 5
$11,041.00
Year 6
$11,262.00
Year 7
$11,487.00
Year 8
$11,717.00
Year 9
$11,951.00
Year 10
$12,190.00

What this estimate assumes

  • A constant annual inflation rate compounds once a year. Negative rates represent deflation, not invalid input.
  • Future cost is nominal NZD. The separate buying-power figure expresses an unchanged cash amount in today’s dollars.
  • No interest is earned on the unchanged cash amount. Inflation is an assumption, not a forecast.

For information only, not financial advice. These simplified estimates do not consider your full circumstances. Assumed rates are not forecasts or guaranteed returns. Talk to a financial adviser before making financial decisions.

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