What a sum of money is really worth between two dates, once money creation is factored in. Useful for judging a real-estate gain, savings sitting idle, or any amount fixed over time.
Open the live calculator → On moneyprinter.uk, it's the calculator on the "Dashboard" tabThat's the increase in current euros, the number you see first.
The live calculator recomputes that same amount accounting for how much money was actually created between the two dates chosen (ECB, Fed, Bank of Canada, or Eurostat data depending on the region), to see whether that gain really beats monetary dilution, or merely tracks it.
You enter an amount, a starting year, an ending year, and optionally a resale amount. The calculator looks up the amount of money in circulation (the M2 aggregate or its equivalent depending on the region) at those two dates, as published by the relevant central bank: the ECB for the euro area, the Fed for the US, the Bank of Canada, or Eurostat data for a specific euro-area country.
From that money-supply growth rate, it recomputes what your amount would represent today if it had simply kept pace with money printing, then does the same with official inflation measured over the same period. You end up with three benchmarks to compare: the nominal amount, its diluted-currency equivalent, and its real purchasing-power equivalent.
It's especially telling for real estate: a gain that looks great in current-year dollars can, once these two benchmarks are placed alongside it, turn out to barely beat plain monetary dilution over the period.
Official inflation tracks the price of a basket of goods and services. The money supply tracks how many units of currency exist in circulation. The two often move together but not always at the same pace, looking at both gives a fuller picture.
By comparing the M2 aggregate (or equivalent) at the start date and end date chosen, using data published by central banks, then applying that growth rate to the amount entered.
Yes. With a starting amount, a purchase date, a resale date, and a resale price, the calculator shows whether the nominal gain stays real once monetary dilution and inflation are factored in.