Inflation is the rate at which prices for goods and services increase over time. When inflation rises, each euro buys less than it did before — your money loses purchasing power.

What is the current inflation rate?

Eurozone inflation varies by country. Spain's CPI was around 2.8% in late 2025, Germany's around 2.2%. The ECB targets 2% long-term inflation.

How can I protect my savings from inflation?

Invest in assets that historically beat inflation: diversified stock index funds (7-10% historical return), real estate, or inflation-linked bonds. Keeping cash in a bank account typically loses purchasing power.

What's the difference between nominal and real returns?

Nominal returns are before inflation. Real returns are after subtracting inflation. If your investment returns 8% and inflation is 3%, your real return is approximately 5%.

Inflation Calculator

Understand how inflation silently erodes the purchasing power of your savings over time.

Current amount

Current amount (€)

Annual inflation rate

Annual inflation rate (%)

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Purchasing power erosion

Understand how inflation silently erodes the purchasing power of your savings over time.

How the inflation calculator works

Enter an amount, set the inflation rate, and see how your purchasing power declines year by year.

Enter an amount

How much money do you want to check? This could be your savings, a salary, or any amount you want to protect from inflation.

Set the inflation rate

The default is 2.5%, close to the ECB's target. Current eurozone inflation varies — check your country's latest figures for accuracy.

See the erosion over time

Watch how your money loses real value year by year. Even moderate inflation significantly reduces purchasing power over decades.

Beat inflation with real investments

Cash loses value to inflation every year. Track your investment portfolio in Arfin to ensure your money grows faster than prices.

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