Inflation Impact on Savings Tool

Project Future Value of Your Current Savings/Investments

See how your current savings might grow and what their purchasing power could be in the future, considering inflation and potential investment returns.

Current Savings/Investment Amount:

Expected Annual Interest/Growth Rate (%):

Regular Annual Contribution (Optional):

Number of Years to Project:

Main Estimated Annual Inflation Rate (%):

Inflation Sensitivity for Future Value

Compare the real future value under different inflation assumptions.

Low Inflation Scenario (%):

High Inflation Scenario (%):

Plan for a Future Goal (Inflation-Adjusted)

Determine how much money you'll actually need in the future for a goal, considering its cost in today's dollars and inflation.

Target Goal Value (in Today's Dollars):

Number of Years Until Goal:

Main Estimated Annual Inflation Rate (%):

Inflation Sensitivity for Goal Target

Low Inflation Scenario (%):

High Inflation Scenario (%):

Projecting Savings Towards Your Nominal Goal

Enter your current savings for this specific goal and planned annual contributions to see how they might grow towards the calculated nominal future target.

Current Savings for This Goal:

Planned Annual Contribution:

Expected Annual Return on Savings (%):

Download Inflation Impact Report

This will generate a PDF summary of your savings projections and goal planning, including any inflation sensitivity analysis performed.

Generated on: ${new Date().toLocaleDateString()}

`; if (lastFVSavingsResults) { pdfHtml += `

Future Value of Current Savings

`; pdfHtml += `

Current Savings: $${lastFVSavingsResults.inputs.pv.toFixed(2)}

Annual Growth Rate: ${lastFVSavingsResults.inputs.annualGrowth.toFixed(1)}%

Annual Contribution: $${lastFVSavingsResults.inputs.annualContrib.toFixed(2)}

Years Projected: ${lastFVSavingsResults.inputs.years}

Main Inflation Rate: ${lastFVSavingsResults.inputs.mainInflation.toFixed(1)}%

`; pdfHtml += `

Nominal Future Value: $${lastFVSavingsResults.main.totalNominalFv.toFixed(2)}

Real Future Value (Today's $): $${lastFVSavingsResults.main.realFv.toFixed(2)}

Loss in Purchasing Power of Initial Principal: $${lastFVSavingsResults.main.lossOfPurchasingPowerInitialPV.toFixed(2)}

Net Change in Purchasing Power (vs. total invested $${lastFVSavingsResults.main.initialPrincipalTotal.toFixed(2)}): $${lastFVSavingsResults.main.netGainLossReal.toFixed(2)}

`; if (lastFVSavingsResults.sensitivity && lastFVSavingsResults.sensitivity.length > 0) { pdfHtml += `

Inflation Sensitivity on Real Future Value:

`; lastFVSavingsResults.sensitivity.forEach(scen => { pdfHtml += ``; }); pdfHtml += `

Inflation Rate	Real Future Value ($)
${scen.rate.toFixed(1)}% (${scen.name})	$${scen.realFv.toFixed(2)}

`; } pdfHtml += `

`; } if (lastGoalResults) { pdfHtml += `

Savings Goal Planner

`; pdfHtml += `

Target Goal (Today's $): $${lastGoalResults.inputs.targetPV.toFixed(2)}

Years Until Goal: ${lastGoalResults.inputs.years}

Main Inflation Rate: ${lastGoalResults.inputs.mainInflation.toFixed(1)}%

`; pdfHtml += `

Nominal Amount Needed in ${lastGoalResults.inputs.years} years: $${lastGoalResults.mainNominalGoal.toFixed(2)}

`; if (lastGoalResults.sensitivity && lastGoalResults.sensitivity.length > 0) { pdfHtml += `

Inflation Sensitivity on Nominal Goal Needed:

`; lastGoalResults.sensitivity.forEach(scen => { pdfHtml += ``; }); pdfHtml += `

Inflation Rate	Nominal Amount Needed ($)
${scen.rate.toFixed(1)}% (${scen.name})	$${scen.nominalGoal.toFixed(2)}

`; } if (lastReachGoalResults) { pdfHtml += `

Projection Towards Goal:

Current Savings for Goal: $${lastReachGoalResults.inputs.currentSaved.toFixed(2)}

Planned Annual Contribution: $${lastReachGoalResults.inputs.annualContrib.toFixed(2)}

Expected Annual Return: ${lastReachGoalResults.inputs.annualReturn.toFixed(1)}%

Total Projected Nominal Savings: $${lastReachGoalResults.totalProjectedNominal.toFixed(2)}

Result vs. Nominal Goal ($${lastReachGoalResults.inputs.nominalTarget.toFixed(2)}): ${lastReachGoalResults.shortfallSurplus >= 0 ? 'SURPLUS of $' + lastReachGoalResults.shortfallSurplus.toFixed(2) : 'SHORTFALL of $' + Math.abs(lastReachGoalResults.shortfallSurplus).toFixed(2)}

`; } pdfHtml += `

`; // Close iist-pdf-output if(pdfOutputEl) pdfOutputEl.innerHTML = pdfHtml; const opt = { margin: [0.5, 0.5, 0.5, 0.5], filename: `Inflation_Impact_Savings_Report_${new Date().toISOString().slice(0,10)}.pdf`, image: { type: 'jpeg', quality: 0.98 }, html2canvas: { scale: 2, useCORS: true, logging: false }, jsPDF: { unit: 'in', format: 'letter', orientation: 'portrait' } }; if (typeof html2pdf !== 'undefined' && pdfOutputEl) { html2pdf().from(pdfOutputEl).set(opt).save() .catch(err => { console.error("PDF generation failed:", err); alert("PDF generation error."); }); } else { alert("PDF library not loaded or output element not found."); } }); } // --- Tab Navigation --- window.iist_openTab = function(evt, tabName) { tabs.forEach(tab => { if(tab) tab.style.display = 'none'; }); tabLinks.forEach(link => { if(link) link.classList.remove('active'); }); const activeTabContent = toolContainer.querySelector('#' + tabName); if(activeTabContent) activeTabContent.style.display = 'block'; else { console.error(`Tab content for ${tabName} not found.`); return; } let clickedIndex = -1; if (evt && evt.currentTarget) { evt.currentTarget.classList.add('active'); clickedIndex = tabLinks.indexOf(evt.currentTarget); } else { clickedIndex = tabLinks.findIndex(link => { if (!link) return false; const onclickAttr = link.getAttribute('onclick'); return onclickAttr && onclickAttr.includes(`'${tabName}'`); }); if (clickedIndex !== -1 && tabLinks[clickedIndex]) { tabLinks[clickedIndex].classList.add('active'); } else { if (tabLinks.length > 0 && tabLinks[0]) tabLinks[0].classList.add('active'); clickedIndex = 0; } } currentTabIndex = (clickedIndex !== -1 && clickedIndex < tabs.length) ? clickedIndex : 0; iist_updateNavButtons(); } window.iist_navigateTab = function(direction) { let newIndex = currentTabIndex; if (direction === 'next' && currentTabIndex < tabs.length - 1) newIndex++; else if (direction === 'prev' && currentTabIndex > 0) newIndex--; if (tabLinks[newIndex] && newIndex !== currentTabIndex) tabLinks[newIndex].click(); } function iist_updateNavButtons() { if(prevButton) prevButton.disabled = currentTabIndex === 0; if(nextButton) nextButton.disabled = currentTabIndex >= tabs.length - 1; } // --- LocalStorage for settings --- function loadSettingsFromLocalStorage() { try { const storedYearsSavings = localStorage.getItem(`${toolId}_projYearsSavings`); if (storedYearsSavings && projectionYearsSavingsEl) projectionYearsSavingsEl.value = storedYearsSavings; const storedInflationSavings = localStorage.getItem(`${toolId}_inflationSavings`); if (storedInflationSavings && inflationRateSavingsEl) inflationRateSavingsEl.value = storedInflationSavings; const storedYearsGoal = localStorage.getItem(`${toolId}_projYearsGoal`); if (storedYearsGoal && yearsUntilGoalEl) yearsUntilGoalEl.value = storedYearsGoal; const storedInflationGoal = localStorage.getItem(`${toolId}_inflationGoal`); if (storedInflationGoal && inflationRateGoalEl) inflationRateGoalEl.value = storedInflationGoal; } catch(e) { console.warn("Could not load settings from local storage."); } } function saveSettingsToLocalStorage() { try { if(projectionYearsSavingsEl) localStorage.setItem(`${toolId}_projYearsSavings`, projectionYearsSavingsEl.value); if(inflationRateSavingsEl) localStorage.setItem(`${toolId}_inflationSavings`, inflationRateSavingsEl.value); if(yearsUntilGoalEl) localStorage.setItem(`${toolId}_projYearsGoal`, yearsUntilGoalEl.value); if(inflationRateGoalEl) localStorage.setItem(`${toolId}_inflationGoal`, inflationRateGoalEl.value); } catch (e) { console.warn("Could not save settings to local storage."); } } // Add event listeners to save settings on change [projectionYearsSavingsEl, inflationRateSavingsEl, yearsUntilGoalEl, inflationRateGoalEl].forEach(el => { if(el) el.addEventListener('change', saveSettingsToLocalStorage); }); // --- Initialization --- function initializeTool() { loadSettingsFromLocalStorage(); // Load any saved settings reachGoalSectionEl.style.display = 'none'; // Hide initially iist_openTab(null, 'iist-tab1'); } let iist_attempts = 0; function checkLibrariesAndInit_iist() { if (typeof html2pdf !== 'undefined') { initializeTool(); } else if (iist_attempts < 20) { iist_attempts++; setTimeout(checkLibrariesAndInit_iist, 100); } else { alert("Error: PDF generation library (html2pdf.js) could not be loaded. PDF export will not work."); initializeTool(); } } checkLibrariesAndInit_iist(); })();