What is your money still worth?
The retrospective view uses the real German consumer price index since 1991. The forward view uses your assumption — and says so clearly.
Data source: consumer price index of the German Federal Statistical Office, annual averages 1991 to 2025.
€10,000.00 from 2000 equals €16,145.70 today.
In 2000 the D-Mark was still in use. The index remains comparable — the euro changeover was not a price event.
Equals today
€16,145.70
Total inflation
61.5%
Average per year
1.9%
| Period | 2000 to 2025 |
|---|---|
| Price level | 1.61× |
| Equals today | €16,145.70 |
| Purchasing power lost if held as cash | €3,806.40 |
Why it matters
Inflation is the quietest fee in your portfolio
It appears on no statement and still applies every year.
Savings accounts lose in real terms
If the account pays 2% and inflation runs at 3%, you lose 1% per year in real terms even though the balance grows. Safety-first calculations regularly miss exactly this.
Returns have to be measured in real terms
A nominal return of 7% with 2% inflation is just under 4.9% in real terms. For retirement planning only that real figure counts, because your shopping basket knows no nominal values.
Over decades everything doubles
At 2% inflation purchasing power halves in roughly 35 years. Someone needing 2,000 EUR a month today will need around 4,000 EUR then — for the same life.
Frequently asked
Understanding inflation
From the German Federal Statistical Office: consumer price index for Germany, annual averages on the 2020 = 100 basis. The all-German series is covered from 1991 onwards. Earlier figures only exist as West German indices on a different basis, which this calculator deliberately does not mix in.
Yes. Enter the D-Mark amount as a number and pick the year — purchasing power development is independent of the currency changeover, because introducing the euro in 2002 was not a price event. For a pure currency conversion, additionally divide by 1.95583.
The index measures an average household. Anyone spending an above-average share on rent, energy or food experienced noticeably higher inflation than the official figure in periods like 2022.
The European Central Bank targets 2% over the medium term, which is the usual starting point. More cautious plans use 2.5% to 3% — the calculator lets you set the value freely precisely because nobody knows it.
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