今日價值換算
在 20 年後，您的 $1,000,000 其實只等同於今天的 $553,676 (假設 3% 通膨率)。
購買力侵蝕曲線
購買力逐年分析
每年貨幣價值的侵蝕與累積損失總覽。
| 時間軸 | 未來價值 | 剩餘價值比 | 累積損失 |
|---|---|---|---|
| 1 第 0 | $1,000,000 | 100% | $0 |
| 2 第 5 | $862,609 | 86% | $137,391 |
| 3 第 10 | $744,094 | 74% | $255,906 |
| 4 第 15 | $641,862 | 64% | $358,138 |
| 5 第 20 | $553,676 | 55% | $446,324 |
| 6 第 25 | $477,606 | 48% | $522,394 |
| 7 第 30 | $411,987 | 41% | $588,013 |
| 8 第 35 | $355,383 | 36% | $644,617 |
| 9 第 40 | $306,557 | 31% | $693,443 |
| 10 第 45 | $264,439 | 26% | $735,561 |
| 11 第 50 | $228,107 | 23% | $771,893 |
財富的無聲殺手：通貨膨脹
通膨代表物價上漲，同時也代表你手中金錢的「購買力」下降。如果你的資產成長速度低於通膨，你的財富其實是在縮水。📉 消失的百萬財富
在年化 3%** 的通膨下，你的錢每 **24 年 價值就會減半。 * 現在：100 萬可以買一台進口車。 * 20 年後**：同樣的 100 萬只能買到現在價值 **55 萬 的東西。如何對抗通膨？
1. 投資具增值潛力的資產：如股票、指數基金 (ETF) 與房地產。 2. 減少過度閒置的現金：長期持有大量現金是確保購買力受損的行為。 3. 掛鉤通膨的債券：如美國的 TIPS。常見問題 (FAQ)
Q: What is the current US inflation rate?
A: The Federal Reserve targets 2% annual inflation as the ideal rate that supports economic growth without excessive price erosion. US inflation peaked at 9.1% in June 2022 (40-year high) and has moderated significantly. The Fed's primary tool for controlling inflation is the federal funds rate—raising rates slows economic activity and reduces price pressure. For planning purposes, use 2.5–3% as a long-term assumption for expenses growing over decades.
Q: How does inflation affect my retirement savings?
A: Inflation means your retirement spending needs will be higher in future dollars than they appear today. At 3% inflation, a $50,000/year lifestyle today requires $121,500/year in 30 years. If you use today's spending to calculate your retirement portfolio target, you'll significantly undershoot. Inflation also erodes the real value of fixed-income investments and cash savings over time—which is why equity investments are essential in long-term portfolios.
Q: What investments protect against inflation?
A: The most reliable long-term protection: (1) Broad stock market index funds (S&P 500 historically returns ~7.5% above inflation); (2) Real estate (rents and values track inflation, mortgage debt becomes cheaper in real terms); (3) TIPS (Treasury Inflation-Protected Securities) provide guaranteed CPI-linked returns; (4) I Bonds offer CPI + fixed rate with no default risk (limited to $10,000/year per person). Cash and traditional savings accounts offer the weakest protection—their nominal rate often barely exceeds inflation.
Q: What is the Rule of 72 applied to inflation?
A: Divide 72 by the inflation rate to find how many years it takes for prices to double. At 2% inflation (Fed target): 36 years to double. At 3%: 24 years. At 6%: 12 years. This helps retirement planners calculate future costs: a $50,000/year lifestyle at age 40 becomes ~$121,500 at age 65 (at 3% inflation over 25 years). Always plan retirement budgets in future dollars, not today's dollars.
情境範例
雖然數字有點驚悚，但非常必要。看到 100 萬在 20 年後縮水這麼多，真的會更有動力去投資。
很有教育意義的工具，讓我明白為什麼單純存錢是不夠的，必須對抗通膨。
對退休規劃至關重要。它清楚地表明，僅僅儲蓄現金不足以維持生活水平。
簡單有效。讓抽象的通膨概念變得非常具體。
Official Sources & Authority References
重要免責聲明
本計算機提供之結果僅供參考，不構成稅務、法律或財務建議。稅法每年調整，請於申報前到 IRS.gov 核實數據，或談詢具資格的稅務專業人員。
