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인플레이션 화폐 가치 좀도둑
"가만히만 있어도 본전은 친다고요?" 내 통장에 얌전히 박혀있는 현금이 물가상승률이라는 좀도둑에게 매년 얼마씩 뜯기는지 실시간 검문합니다.
[경고] 화폐 가치 하락은 복리로 작용합니다.
[추적 지표] 시간 경과에 따른 실질 구매력 증발도
"가만히만 있어도 본전은 친다고요?" 내 통장에 얌전히 박혀있는 현금이 물가상승률이라는 좀도둑에게 매년 얼마씩 뜯기는지 실시간 검문합니다.
Enter a cash amount, an annual inflation rate and a number of years to see what the money's real purchasing power shrinks to and how much has 'evaporated'. For sensing how much an emergency fund sitting in a deposit actually loses, or learning the concept of inflation.
Real value = cash ÷ (1 + inflation)^years. As prices compound upward each year, the same money buys correspondingly less. Evaporated amount = cash − real value; evaporated share = evaporated ÷ cash × 100, shown rounded to a whole percent. For example, 50,000,000 KRW at 3.5% for 5 years leaves 50,000,000 ÷ 1.035⁵ ≈ 42,100,000, so about 7,900,000 (16%) disappears. A one-line verdict is attached: 30% or more is 'asset suicide', 15% or more is 'creeping erosion', below that 'petty theft stage'.
If prices rise 3%, goods cost 1.03 times as much, so the same money buys 1 ÷ 1.03 as much. Hence the division by (1 + r)^n.
Real value would rise. The inflation slider starts at 1.0% a year, so zero inflation and deflation are not modelled.
Nowhere; the quantity the same money can buy has shrunk. The account balance is unchanged, only purchasing power falls.
The tool only shows the effect of inflation and is not investment advice. Weighing the risk of capital loss against inflation loss is your own decision.
For information only, not investment or financial advice. The inflation rate is an assumption and may differ from reality.