"Leaving it alone means you break even?" See how much the cash sitting quietly in your account loses every year to the thief called inflation.
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.