TOLD CHAIN · TOOLS FOR PERSPECTIVE
What will your money buy?
Your balance can grow while its buying power shrinks. Explore the difference with the Purchasing Power Simulator.
Set your scenario
Sample assumptions — change them to explore.
Changes the label only. No currency conversion.
Rates are annual effective rates. Inputs stay in this page and are not saved.
PURCHASING POWER RETAINED
How much buying power remains?
Losing buying power
After 10 years, every J$100 of today’s buying power becomes J$74.84.
Your savings buy less in this scenario because interest does not keep pace with inflation.
Balance grows. Buying power tells the rest.
All values in JMD. Inflation-adjusted values use today’s prices.
View year-by-year figures
| Year | Account balance | Today’s buying power |
|---|---|---|
| 0 | J$100,000.00 | J$100,000.00 |
| 1 | J$102,000.00 | J$97,142.86 |
| 2 | J$104,040.00 | J$94,367.35 |
| 3 | J$106,120.80 | J$91,671.14 |
| 4 | J$108,243.22 | J$89,051.96 |
| 5 | J$110,408.08 | J$86,507.62 |
| 6 | J$112,616.24 | J$84,035.97 |
| 7 | J$114,868.57 | J$81,634.95 |
| 8 | J$117,165.94 | J$79,302.52 |
| 9 | J$119,509.26 | J$77,036.73 |
| 10 | J$121,899.44 | J$74,835.68 |
Understand the assumptions
This simulation uses fixed annual interest and inflation, annual compounding, and no deposits, withdrawals, fees or taxes. Sample rates are illustrative, not current market rates or forecasts.
How the calculation works
Future balance = starting savings × (1 + interest ÷ 100)years.
Today’s buying power = future balance ÷ (1 + inflation ÷ 100)years.
Retained purchasing power = today’s buying power ÷ starting savings × 100. At 100%, you preserve buying power; below 100%, you lose it; above 100%, you gain it. Calculations use unrounded values; displayed amounts are rounded.
A learning tool for exploring assumptions, not a promise of returns or a recommendation to move money.