Here's a table representing inflation over the course of 10 years, measured up against a fictive investment with the same money. Which one wins - and when?
The calculations performed are inflation accumulating for 10 years vs. inflation and investing given various inflation and investment yield rates (including negative for the investment). The full amount is considered invested.
When you calculate the result, there are at least two ways to do it:
Not sure which is the norm in the fiscal world.
The inflation-adjusted amounts in the "After Inflation Amount" column represent how much the specified input amount (1,000,000 - one million) will be worth in "today's money" the specified n (10) years from now - given no investing or interest.
| Original Amount | Inflation | Inv.Yield | Invested Amount | Real Growth Rate | Invested Amount Real Interest | Years | After Inflation Amount |
|---|---|---|---|---|---|---|---|
| $1,000,000 | 2 | -5 | $455,456 | -7 | $450,104 | 10 | $800,731 |
| $1,000,000 | 2 | 0 | $800,731 | -2 | $800,731 | 10 | $800,731 |
| $1,000,000 | 2 | 2 | $995,609 | 0 | $1,000,000 | 10 | $800,731 |
| $1,000,000 | 2 | 5 | $1,369,522 | 3 | $1,384,234 | 10 | $800,731 |
| $1,000,000 | 2 | 6 | $1,520,027 | 4 | $1,539,454 | 10 | $800,731 |
| $1,000,000 | 2 | 10 | $2,284,580 | 8 | $2,331,639 | 10 | $800,731 |
| $1,000,000 | 3 | -5 | $406,864 | -8 | $399,637 | 10 | $715,301 |
| $1,000,000 | 3 | 0 | $715,301 | -3 | $715,301 | 10 | $715,301 |
| $1,000,000 | 3 | 2 | $889,387 | -1 | $895,338 | 10 | $715,301 |
| $1,000,000 | 3 | 5 | $1,223,408 | 2 | $1,243,374 | 10 | $715,301 |
| $1,000,000 | 3 | 6 | $1,357,856 | 3 | $1,384,234 | 10 | $715,301 |
| $1,000,000 | 3 | 10 | $2,040,838 | 7 | $2,104,852 | 10 | $715,301 |
| $1,000,000 | 4 | -5 | $363,031 | -9 | $354,369 | 10 | $638,239 |
| $1,000,000 | 4 | 0 | $638,239 | -4 | $638,239 | 10 | $638,239 |
| $1,000,000 | 4 | 2 | $793,570 | -2 | $800,731 | 10 | $638,239 |
| $1,000,000 | 4 | 5 | $1,091,606 | 1 | $1,115,668 | 10 | $638,239 |
| $1,000,000 | 4 | 6 | $1,211,569 | 2 | $1,243,374 | 10 | $638,239 |
| $1,000,000 | 4 | 10 | $1,820,971 | 6 | $1,898,299 | 10 | $638,239 |
| $1,000,000 | 5 | -5 | $323,534 | -10 | $313,811 | 10 | $568,800 |
| $1,000,000 | 5 | 0 | $568,800 | -5 | $568,800 | 10 | $568,800 |
| $1,000,000 | 5 | 2 | $707,231 | -3 | $715,301 | 10 | $568,800 |
| $1,000,000 | 5 | 5 | $972,841 | 0 | $1,000,000 | 10 | $568,800 |
| $1,000,000 | 5 | 6 | $1,079,752 | 1 | $1,115,668 | 10 | $568,800 |
| $1,000,000 | 5 | 10 | $1,622,853 | 5 | $1,710,339 | 10 | $568,800 |
| $1,000,000 | 6 | -5 | $287,982 | -11 | $277,517 | 10 | $506,298 |
| $1,000,000 | 6 | 0 | $506,298 | -6 | $506,298 | 10 | $506,298 |
| $1,000,000 | 6 | 2 | $629,518 | -4 | $638,239 | 10 | $506,298 |
| $1,000,000 | 6 | 5 | $865,942 | -1 | $895,338 | 10 | $506,298 |
| $1,000,000 | 6 | 6 | $961,105 | 0 | $1,000,000 | 10 | $506,298 |
| $1,000,000 | 6 | 10 | $1,444,528 | 4 | $1,539,454 | 10 | $506,298 |
| $1,000,000 | 7 | -5 | $256,019 | -12 | $245,081 | 10 | $450,104 |
| $1,000,000 | 7 | 0 | $450,104 | -7 | $450,104 | 10 | $450,104 |
| $1,000,000 | 7 | 2 | $559,647 | -5 | $568,800 | 10 | $450,104 |
| $1,000,000 | 7 | 5 | $769,830 | -2 | $800,731 | 10 | $450,104 |
| $1,000,000 | 7 | 6 | $854,431 | -1 | $895,338 | 10 | $450,104 |
| $1,000,000 | 7 | 10 | $1,284,198 | 3 | $1,384,234 | 10 | $450,104 |
| $1,000,000 | 8 | -5 | $227,314 | -13 | $216,128 | 10 | $399,637 |
| $1,000,000 | 8 | 0 | $399,637 | -8 | $399,637 | 10 | $399,637 |
| $1,000,000 | 8 | 2 | $496,899 | -6 | $506,298 | 10 | $399,637 |
| $1,000,000 | 8 | 5 | $683,516 | -3 | $715,301 | 10 | $399,637 |
| $1,000,000 | 8 | 6 | $758,631 | -2 | $800,731 | 10 | $399,637 |
| $1,000,000 | 8 | 10 | $1,140,212 | 2 | $1,243,374 | 10 | $399,637 |
| $1,000,000 | 9 | -5 | $201,565 | -14 | $190,319 | 10 | $354,369 |
| $1,000,000 | 9 | 0 | $354,369 | -9 | $354,369 | 10 | $354,369 |
| $1,000,000 | 9 | 2 | $440,613 | -7 | $450,104 | 10 | $354,369 |
| $1,000,000 | 9 | 5 | $606,091 | -4 | $638,239 | 10 | $354,369 |
| $1,000,000 | 9 | 6 | $672,698 | -3 | $715,301 | 10 | $354,369 |
| $1,000,000 | 9 | 10 | $1,011,055 | 1 | $1,115,668 | 10 | $354,369 |
| $1,000,000 | 10 | -5 | $178,495 | -15 | $167,343 | 10 | $313,811 |
| $1,000,000 | 10 | 0 | $313,811 | -10 | $313,811 | 10 | $313,811 |
| $1,000,000 | 10 | 2 | $390,184 | -8 | $399,637 | 10 | $313,811 |
| $1,000,000 | 10 | 5 | $536,723 | -5 | $568,800 | 10 | $313,811 |
| $1,000,000 | 10 | 6 | $595,706 | -4 | $638,239 | 10 | $313,811 |
| $1,000,000 | 10 | 10 | $895,338 | 0 | $1,000,000 | 10 | $313,811 |
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