The Problem: Inflation Moves the Goalposts
Let's say you need $80K/year to retire comfortably today. Using the 4% rule, that puts your FI number at $2M. Simple, right?
But most people don't reach that number overnight—it takes 5, 10, even 15 years. And during that time, inflation quietly erodes the buying power of your target.
If it takes 10 years to hit your $2M goal, your $80K in annual income will feel more like $59K in today's dollars—a 24% drop in purchasing power.
That gap could mean serious compromises—or going back to work.
The reason? Most calculators ignore inflation—or apply it inconsistently. MOF doesn't.
MOF Keeps Your FI Number Real
MOF integrates inflation into every part of your plan—from living expenses to tax brackets—so you always know what's real.
Inflation-adjusted FI number
We automatically update your FI target each year based on inflation, taxes, and updated spending.
Inflation-adjusted expenses
MOF applies inflation rates to all major costs—rent, groceries, tuition, weddings, healthcare—and reflects those in your timeline.
Category-specific inflation rates
College inflation? 5.2%. General inflation? 2%. We handle the differences and let you adjust them as needed.
Dual-dollar view
We show your projections in both today's dollars and future value—so your goals never feel out of touch.
FAQ
How does MOF decide what inflation rate to use?
By default, we use 5.2% for college and 2% for general inflation, based on historical averages. You'll be able to customize this in future versions.
Do all expenses get adjusted for inflation?
Yes. We adjust all future expenses—including rent, tuition, and healthcare—at the appropriate inflation rates.