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Calculating inflation between two dates: simulate and anticipate the depreciation of your savings
Calculating inflation between two dates is an essential tool for measuring changes in purchasing power and anticipating the depreciation of your savings in an economic context marked by expansionary monetary policy . Thanks to our online inflation simulator future value of your money will evolve based on a inflation rate , using the Consumer Price Index (CPI) .
Calculating inflation between two dates: Why is simulating inflation useful?
In a period of rising inflation rates price changes on your budget is essential. This simulation allows you to:
- Visualize the evolution of the value of money over a given period.
- Plan your investments to maintain or increase your purchasing power .
- Compare the depreciation of your savings with investment alternatives.
Table of Contents
Inflation simulator
Calculating inflation between two dates: Our online inflation simulator, how it works and methodology
Our inflation simulator is designed to be simple and effective. You simply enter the initial value of a sum and choose a period (from the starting date to the ending date).
The basics of calculation
Our simulator uses the following formula to estimate the impact of inflation on the value of your savings:
Final value = Initial value × (CPI_fin / CPI_debut)
Here, the CPI (Consumer Price Index) measures the change in prices over a given period. For example, if you have savings of €1,000 and the CPI rises from 100 at the beginning to 121 at the end of the period, the calculation will be:
1 000 × (121 / 100) = 1 210 €
This result means that €1,000 today will have the same purchasing power as €1,210 in the future, thus illustrating the loss of purchasing power due to inflation.
Data sources and indices used
The inflation rates we use come from a database compiled from various official financial websites, such as those of government agencies and central banks. For older currencies, like the dollar , this data goes back several decades. However, for more recent currencies, like the euro , reliable data is only available from the year 2000 onwards. This approach provides a robust basis for simulating price changes and anticipating the effects of inflation .
Calculating inflation between two dates: The implications of inflation on your savings
Inflation affects every aspect of your financial life. It reduces the real value of your money, meaning that the same amount of money will buy you fewer goods and services over time. Understanding this concept is fundamental to :
- Preserve the value of your savings.
- Optimize your investments.
- Plan your retirement or future projects.
Calculating inflation between two dates: Cryptocurrencies, an alternative to inflation
In the current context of expansionary monetary policy cryptocurrencies offer potential protection against the depreciation of fiat currencies. While not all cryptocurrencies have a limited supply, Bitcoin . With its limited supply capped at 21 million units, Bitcoin presents itself as a store of value , unlike currencies that can be created in unlimited quantities by central banks.
The blockchain technology on which Bitcoin is based enables exchange without centralized intermediation. Whereas a traditional bank transaction requires the intervention of a bank (often with delays, fees, and multiple controls), a Bitcoin transaction takes place directly between two individuals, 24/7, in a matter of minutes, without prior authorization.
For example, if you want to send money to a relative living abroad, a traditional bank transfer can take several days and incur high exchange and processing fees. In contrast, via the Bitcoin blockchain or other networks like Ethereum , you can make a near-instantaneous payment, with minimal fees and without relying on any central authority. This is a radical shift in how value is exchanged globally.
Beyond these direct payments, many next-generation blockchains—such as Solana , Aptos, Sui, and Base—have also democratized smart contract . These autonomous programs execute automatically as soon as predefined conditions are met, without the possibility of being modified or censored once published.
A simple and compelling use case: imagine a vacation rental between individuals. With a smart contract , the tenant's payment can be automatically released to the owner as soon as the conditions are met (arrival date, confirmed key handover, etc.), all without going through an intermediary platform like Airbnb, bnb sometimes takes a commission of over 15%. The process is seamless, transparent, and infinitely programmable. To learn more, we invite you to consult our articles on smart contract and oracles .
These innovations pave the way for a multitude of use cases: decentralized finance (borrowing, lending, automated savings), borderless payments , supply chain management , identity verification , and secure digital voting . Blockchain is thus becoming a new trusted infrastructure on which to build more efficient, more accessible systems that are less dependent on traditional intermediaries.
The importance of Bitcoin in protecting against inflation
Bitcoin 's deflationary nature makes it an attractive option for investors looking to protect themselves against value loss due to inflation. By diversifying part of your portfolio into cryptocurrencies , you can potentially offset the depreciation of your savings . Cryptocurrencies are still young and therefore highly speculative, with significant price fluctuations. Nevertheless, the very strong potential of their growing applications and their limited supply make them a very high-quality asset for the long term.
Calculating inflation between two dates: Choosing the right exchange platform for exposure to cryptocurrencies
For those looking to diversify their capital in the face of currency depreciation, cryptocurrency exchanges offer a strategic entry point. They provide access to hundreds of crypto assets , allow users to manage their orders independently, and offer exposure to markets open 24/7. However, choosing the right platform is crucial: they are not all equal in terms of options, interface, and fees .
You can buy Bitcoin and other cryptocurrencies with OKX.
OKX offers:
- Strict regulatory compliance, OKX being one of the first platforms to have held the European license ( MiCA ). It is on the AMF whitelist.
- A dual interface: a simplified application for beginners and an advanced platform offering tiered pricing based on volume.
- Very competitive fees on the market: 1% on the simplified platform and a maximum of 0.35% on the advanced platform .
- Access to several hundred cryptocurrencies to potentially diversify your portfolio in addition to Bitcoin.
- Additional services such as staking to generate returns on these cryptocurrencies.
OKX has one of the richest offerings on the market.
More information about the rewards can be found here.
Calculating inflation between two dates: Why store your cryptocurrencies in a secure wallet?
Once you've purchased your cryptocurrencies , it's essential to consider how you'll store . Leaving your assets on an exchange platform might seem convenient, but it comes with risks. exchanges remain potential targets for hacks, technical issues, or even temporary access blocks. To truly secure your funds, it's recommended to use a personal wallet , especially an offline wallet , also known as cold wallet .
A cold wallet allows you to store your private keys offline, significantly reducing the risk of hacking. Several well-known solutions are available on the market:
- Ledger : a French company renowned worldwide, its Nano S Plus and Nano X models, as well as its more recent touchscreen models, are benchmarks in terms of security and compatibility. For more details on the different models, we invite you to visit our article comparing the various Ledger .
Storing your cryptocurrencies in a physical wallet means you are truly the sole owner. As long as you keep your private key (or seed phrase), no one can access your funds, not even a platform or a third party. It's a choice of digital sovereignty, perfectly in line with the original spirit of blockchain and Bitcoin .
Conclusion: Anticipate inflation and protect your savings with crypto-assets
Calculating inflation between two dates is essential to measuring the impact of rising prices on your savings . By using our inflation simulator CPI data from a database compiling official statistics from various states, you can obtain a reliable estimate of the future value of your money.
In a context where expansionary monetary policies lead to inflation , diversifying investments becomes crucial. Cryptocurrencies , and in particular Bitcoin with its limited supply , present themselves as a relevant alternative to counter monetary erosion. Blockchain enables direct peer-to-peer exchange, paving the way for new and improved blockchains integrating smart contract and the automation of numerous processes, making it a relevant choice for the future.
To take advantage of these opportunities, we recommend choosing a exchange platform . Our preference goes to Bitvavo and OKX , which stand out for their accessibility, competitive fees, and transparency, while offering a wide selection of over 350 cryptocurrencies . While Bitvavo offers a dual-sided interface ideal for both beginners and professionals, OKX offers extremely low fees and trading , although its interface may be a bit more demanding for novices.
Cryptocurrency investments are risky. Crypternon cannot be held liable, directly or indirectly, for any damage or loss resulting from the use of any product or service mentioned in this article. Readers should conduct their own research before taking any action and only invest within their financial means. Past performance is not indicative of future results. This article does not constitute investment advice .
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AMF Recommendations. There is no guaranteed high return; a product with high potential returns implies high risk. This risk must be commensurate with your investment goals, your investment horizon, and your ability to lose some of your savings. Do not invest if you are not prepared to lose all or part of your capital.
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Yoann
Trained as an engineer, I quickly became interested in the field of finance. Convinced that decentralized finance has a bright future, I am participating in its democratization by developing Crypternon.
