Inflation Calculator — July 2026

Check how much purchasing power your money has lost to inflation in Poland.

Calculation mode
PLN 1,000PLN 1,000,000
Start year
End year

real value today

PLN 6,714

Loss of purchasing power
PLN 3,286 · 32.9%
Cumulative inflation
48.9%

The year 2026 is based on the NBP inflation projection — GUS data covers years up to 2025.

Based on annual GUS CPI figures (average-year). This is purchasing power, not an exchange rate — the result shows how much today’s złoty equals the amount from the chosen year.

How to use the inflation calculator?

Pick GUS-data mode to compare an amount between two historical years, or custom-forecast mode to model purchasing-power erosion at an assumed annual inflation rate. The calculator shows the real value, the purchasing power lost and the cumulative inflation over the period.

Często zadawane pytania

How does the inflation calculator work?

It divides your amount by the cumulative inflation factor between the start and end year, using the annual CPI figures published by Poland’s statistics office (GUS). The result shows how much purchasing power the money has lost — how much today’s złoty equals the past amount.

What is purchasing power?

Purchasing power is how much you can actually buy with a given amount. When prices rise, the same nominal amount buys less — so PLN 10,000 from 2020 is worth less in real terms today.

Where does the 2026 figure come from?

GUS data covers years up to 2025. The 2026 figure is based on the National Bank of Poland (NBP) inflation projection and is marked as a forecast.

How can I protect savings from inflation?

Keeping cash in a zero-interest account guarantees a real loss. Deposits, inflation-indexed Treasury bonds and other interest-bearing products help offset inflation — compare the after-tax return against the inflation rate.

kreddo.pl — loan and credit comparison in Poland

kreddo.pl is an independent financial product comparison service helping users make informed decisions about cash loans, online loans, personal accounts, savings accounts, deposits and mortgages in Poland. We compare offers from leading Polish banks — including PKO BP, Santander, mBank, ING, Alior Bank and BNP Paribas — displaying current interest rates, APR, fees and conditions.

Our loan rankings are updated in real time through bank partner integrations. Users can filter offers by amount (PLN 1,000–500,000), repayment period and instalment type. The instalment calculator helps estimate monthly repayment costs.

For those seeking quick financing, we compare payday loans, no-BIK loans, loans for indebted individuals and no-refusal loans. We also compare credit cards and insurance products.

kreddo.pl is an informational service — it is not a credit intermediary or financial institution. All offers shown come from our partners, and final product terms are determined by the financial institution. We track current NBP and WIBOR interest rates in real time.