Your savings account may be losing purchasing power.
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Your Savings
Current HYSA rates: 4-5%
Your Profile
Real Purchasing Power in Future
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calculating…
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What This Really Means
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Nominal vs Real vs Market
Market (invested)
Savings (nominal)
Savings (real)
Full Breakdown
Starting balance
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Rate vs inflation
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Nominal vs real value
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Real return (Fisher equation)
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Purchasing power change
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Savings vs market (real)
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Common Questions
What is the Fisher equation?
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The exact real return formula: (1 + nominal rate) / (1 + inflation rate) - 1. The approximation (nominal - inflation) underestimates the erosion at high inflation rates.
Should I move savings to a market account?
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Emergency fund (3-6 months expenses): keep in a HYSA — you need it liquid. Beyond that: investing long-term (5yr+) has historically beaten inflation far better than savings accounts.
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Disclaimer: For educational purposes only. Not financial advice. Projections use historical averages and are not guaranteed. Individual results will vary. Consult a qualified financial advisor before making financial decisions.