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Calculation of inflation between 2 dates: simulate and anticipate the depreciation of your savings
The calculation of inflation between 2 dates is an essential tool for measuring the evolution of purchasing power and anticipating the depreciation of your savings in an economic context marked by an expansive monetary policy . Thanks to our online inflation simulator future value of your money will evolve according to a inflation rate , based on the consumer price index (CPI) .
Inflation calculation between 2 dates: why simulate inflation is useful?
In a period when inflation rates tend to increase, understanding the impact of price variation on your budget is essential. The simulation allows you to:
- View 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
Inflation calculation between 2 dates: our online inflation simulator, operation and methodology
Our inflation simulator is designed to be simple and effective. You just need to enter the initial value of an amount and choose a period (from the departure date on the date of arrival).
The basics of calculation
Our simulator is based on 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 evolution of prices over a given period. For example, if you have a savings of € 1,000 and the CPI index goes from 100 to the start 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 purchase capacity 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 built by grouping data from different official finance sites, such as those of government agencies and central banks. For old currencies, like the dollar , these data go back over several decades. On the other hand, for more recent currencies, such as the euro , reliable data is only available from the year 2000. This approach makes it possible to have a robust base to simulate prices and anticipate the effects of inflation .
Inflation calculation between 2 dates: the implications of inflation on your savings
Inflation affects all aspects of your financial life. It reduces the real value of your money, which means that the same amount allows you to buy fewer goods and services over time. Understanding this notion is fundamental for:
- Preserve the value of your savings.
- Optimize your investments.
- Plan your retirement or future projects.
Inflation calculation between 2 dates: cryptocurrencies, an alternative to inflation
In the current context of expansive monetary policy cryptocurrencies offer potential protection against the depreciation of fiduciary currencies. All cryptocurrencies do not have a limited reserve but this is particularly the case with Bitcoin . With its limited offer capped at 21 million units, Bitcoin presents itself as a value reserve , unlike currencies which can be created in unlimited quantities by central banks.
Blockchain technology on which Bitcoin rests allows an exchange from person to person (peer-to-peer), without centralized intermediation. Where a conventional banking transaction requires the intervention of a bank (often with deadlines, costs, and multiple controls), a Bitcoin transaction is carried out directly between two individuals, 24 hours a day, 7 days a week, in a few minutes, without prior authorization.
For example, if you want to send money to a nearby loved one, a traditional bank transfer can take several days and cause high exchange and treatment costs. On the other hand, via the Bitcoin blockchain or other networks like Ethereum , you can make an almost instantaneous payment, with minimal costs and without depending on any central authority. It is a radical change in the way of exchanging value on a global scale.
Beyond these direct payments, many new generation blockchains-such as Solana , Aptos , Suit or Bask-have also democratized smart contract ( or "smart contracts"). These autonomous programs run automatically as soon as predefined conditions are met, without the possibility of being modified or censored once published.
A simple and speaking case: imagine a seasonal 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 (date of arrival, confirmed keys, etc.), all without going through an intermediate platform like Air bnb which sometimes takes more than 15 % commission. The process is fluid, transparent, and infinitely programmable. To find out more, we invite you to consult our articles on smart contract and oracles .
These innovations pave the way to a multitude of use cases: decentralized finance (loans, loans, automated savings), payments without borders , logistics chain management , identity verification , or secure digital vote . Blockchain thus becomes a new confidence infrastructure on which to build more efficient, more accessible and less dependent systems of traditional intermediaries.
The importance of bitcoin in inflation protection
Bitcoin 's deflationary nature makes an attractive option for investors wishing to protect themselves against loss of value due to inflation. By diversifying part of your portfolio in cryptocurrency , you can potentially compensate for the depreciation of your savings in fiduciary currency. Cryptocurrencies are still young and are therefore active still strongly subject to speculation, with high price variations. However, the very high potential of its growing cases of application and its limited offer make it a very high quality asset in the long term.
Inflation calculation between 2 dates: choose the right exchange platform to expose themselves to cryptocurrencies
For those who wish to diversify their capital in the face of monetary depreciation, cryptocurrency exchange platforms represent a strategic gateway. They allow access to hundreds of cryptocurrencies , to manage its orders independently, and to expose themselves to open markets 24 hours a day. But you still have to choose the right platform: not all of them are equal in terms of costs , interface or transparency .
Among the best known players on the market, there are names like Binance , Kraken , Okx , Coinbase , Biptand, Bitvavo or Crypto.com . Some are distinguished by their market depth or notoriety, others by their asset offer or their additional features. However, several of these services display hidden fees or apply a Spread , in particular on interfaces intended for beginners. To directly compare the costs applied to the different platforms we invite you to see our comparison of the costs of the pricnipal exchanges of cryptocurrencies .
Our preference goes to:
Bitvavo: a sleek interface and perfectly readable costs
Originally designed to simplify access to crypto-active in Europe, Bitvavo offers a double level interface. Beginners can buy and sell in a few clicks via a simplified version, while more informed users can go to "Pro" mode, with advanced order management.
What distinguishes Bitvavo is above all its transparency on the costs : up to 0.25 % commission, without unpleasant surprises, and with an explicit mention of the Spread if necessary - where other platforms are satisfied with a displayed rate, sometimes not very representative of the real cost of the transaction. Bitvavo also offers a very wide choice of more than 300 cryptocurrencies , allowing good diversification, even on emerging projects.
OKX: for more technical profiles looking for the lowest costs
In contrast to the spectrum, OKX appeals to a more trading . Its direct interface with the order book may seem more dense at first, but it offers a fine control of operations and rapid execution . Above all, the costs are among the lowest on the market : up to 0.10 % maximum, often much lower depending on the volume or detention of their native token.
With an offer also exceeding 300 digital assets, OKX combines market depth and advanced tools (graphics, API management, derivative products) while remaining accessible for those who wish to learn gradually to the operation of a more technical Exchange.
Note
Platforms like Kraken and Coinbase also offer advanced interfaces via their "pro" versions, but their conventional environments often apply a high spread on direct purchases. This can affect the actual profitability of beginners who think they are not paying "no fees" while the cost is integrated into the displayed price.
In this dense landscape, the transparency, the legibility of costs and the diversity of assets have become major selection criteria. This is why we particularly appreciate platforms like Bitvavo - for its simplicity and clear display - or OKX - for its price efficiency and its functional depth.
Whatever your choice, the important thing is to fully understand the cost structure and the ergonomics of the tool you use. Simulation of inflation is a first step to measure the loss of value over time. The selection of an adapted exchange platform is the logical extension to start protecting your capital actively.
Inflation calculation between 2 dates: why store your cryptocurrencies in a secure portfolio?
Once your cryptocurrencies have been purchased, it is essential to think about how you are going to store . Leaving your assets on an exchange platform may seem practical, but that involves risks. exchanges even temporary access blockages. To really secure your funds, it is recommended to use a personal portfolio (or wallet), in particular an offline wallet , also called cold wallet .
A cold wallet allows you to store your private keys outside the internet, thus considerably reducing the risk of hacking. There are several solutions recognized on the market:
- Ledger : French company renowned worldwide, its nano s more models or Nano X are security and compatibility references.
- Tangem : An innovative alternative in the form of a physical card or rings, simple to use via smartphone, ideal for beginners who want a mobile but secure solution.
Storing your cryptos in a physical portfolio is to truly be the only owner. As long as you keep your private key (or seed phrase), no one can access your funds, or even a platform or a third party. It is a choice of digital sovereignty, perfectly in line with the original spirit of the blockchain and Bitcoin .
Conclusion: Anticipate inflation and protect its savings thanks to cryptocurrencies
The calculation of inflation between 2 dates is an essential approach to measure the impact of the price increase on your savings . Using our inflation simulator CPI data from a database bringing together official statistics from various states, you can get a reliable estimate of the future value of your money.
In a context where expansive monetary policies lead to inflation , it becomes crucial to diversify its investments. Crypto -active , and in particular Bitcoin with its limited offer , present themselves as a relevant alternative to counter monetary erosion. Blockchain technology allows a direct exchange from person to person, paving the way for new improved blockchains incorporating smart contract and automation of many processes, making it a strategic choice for the future.
To take advantage of these opportunities, it is essential to choose an adapted exchange platform Notrrimousness goes to Bitvavo and OKX which are distinguished by their accessibility, their competitive costs and their transparency, while offering a wide choice of more than 300 cryptocurrencies . While Bitvavo offers an ideal double -sided interface for beginners and professionals, OKX offers extremely low costs and advanced trading tools, although its interface can be a little more demanding for novices.
Investments in cryptocurrencies are risky. Crypternon could not be held responsible, directly or indirectly, for any damage or loss caused following the use of a property or service put forward in this article. Readers must do their own research before undertaking any action and investing only within the limits of their financial capacities. Past performance does not guarantee future results. This article does not constitute an investment .
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AMF recommendations. There is no guaranteed high yield, a product with high performance potential implies a high risk. This risk taking must be in line with your project, your investment horizon and your ability to lose part of this savings. Do not invest if you are not ready to lose all or part of your capital.
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Yohan Uzzan
Training engineer, I quickly became interested in the field of finance. Convinced that decentralized finance has a bright future ahead of it, I participate in its democratization by developing Crypternon.
