Inflation Calculator: What Will Your Money Be Worth in the Future?

Thierry

March 7, 2026 2 min read

Inflation Calculator Switzerland: What Will Your Money Be Worth in the Future? (2026) | arvy

Inflation Calculator: What Will Your Money Be Worth in the Future?

By Team arvy · March 2026 · Interactive Calculator

Money in a savings account feels safe. But inflation eats away at your purchasing power every year. CHF 100,000 today won't be CHF 100,000 in 20 years. This calculator shows what inflation does to your money — and how investing protects against it.

Inflation Calculator

Today's Amount CHF 100'000

The amount you currently have in a savings account or under the mattress. The calculator shows how much purchasing power remains in the future.

Inflation Rate 2%

Switzerland historically has lower inflation than the Eurozone: ~1.0-1.5% long-term vs. ~2.0-2.5%. But even 1.5% means: after 30 years, your money has lost 36% of its purchasing power. → Glossary: Inflation

Long-term Swiss average: ~1.5%. Current (2024-2026): ~1.5-2%

Savings Account Rate 0.75%

Typical Swiss savings account rate: 0.5-1.5%. At 2% inflation and 0.75% interest, you lose 1.25% real value per year — your money shrinks despite earning interest.

Typical Swiss savings account rate

Investment Return 7%

Historical stock market average: ~7% before inflation. Minus 2% inflation = ~5% real return. Investing is the only reliable inflation protection. → Compound Interest Calculator

Historical stock market average: ~7% p.a.

Time Period 20 years

The longer the time period, the more devastating inflation becomes. After 20 years at 2% inflation, your money has lost 33% of its purchasing power.

Savings Account (real)

CHF 78'122

-21'878 CHF purchasing power loss

vs.

Invested (real)

CHF 264'458

+164'458 CHF real gain

Your money loses value every day. Investing isn't a luxury — it's self-defence against inflation. With arvy, invest from CHF 1/month in quality companies. → Set up a savings plan

Inflation: The Invisible Thief

At 2% inflation, your money loses about 18% of its purchasing power in 10 years. In 20 years, it's 33%. In 30 years: 45%. That means: CHF 100,000 left in a savings account today will only have the purchasing power of CHF 55,000 in 30 years. You don't get poorer on paper — but in reality, you do.

A savings account at 0.75% interest minimally reduces the loss — but at 2% inflation, you still lose 1.25% in real value per year. It's like a slow leak in a boat: you barely notice, but over the years it sinks.

Investing as Inflation Protection

The stock market has delivered an average return of roughly 7% before inflation over the last 100 years. Minus 2% inflation, that leaves ~5% real return. Your wealth grows not just nominally, but in actual purchasing power. Investing isn't speculation — it's the only reliable protection against inflation.