VisionBoard Finance

Free calculator · BLS purchasing-power method

U.S. CPI inflation calculator and rates by year.

Compare U.S. dollar purchasing power between calendar years with the all-items Consumer Price Index. The arithmetic is transparent, the source is named, and the result is not presented as anyone’s personal cost of living.

Official series usedBLS CPI-U, all itemsCPIAUCNS · U.S. city average · not seasonally adjusted
Data statusLoading CPI history…Retrieving the cached public series through VisionBoard.

Compare dollar value

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Buying-power equivalent

Load the CPI series to calculate.

Completed years use the average of that year’s monthly indexes. The current year uses its latest available monthly index, matching the method BLS describes for its calculator.

CPI inflation calculator formula

Equivalent dollars = starting dollars × (target-year CPI ÷ starting-year CPI)

Completed years

VisionBoard normally averages the published monthly CPIAUCNS observations for each calendar year. The table documents the official 2025 eleven-index exception.

Current year

The latest available monthly index is used because the full-year average does not yet exist.

Your experience

CPI is a broad urban-consumer index. Your location, housing, food, health-care, transport, and other spending weights can differ.

Annual history · 1913–2026

U.S. inflation rate and CPI by year

Completed years normally use the average of all 12 monthly CPI-U indexes. The percentage column compares each annual average with the prior annual average; it is not a December-to-December rate. BLS specifies that the 2025 annual average uses the 11 published indexes because October data were unavailable during the federal funding lapse. For 2026, the CPI level is the latest monthly observation (July 2026), so its annual-average change remains blank until the year is complete.

CPI-U annual averages and annual-average changes; current year uses the latest monthly index.
YearCPI-U levelAnnual-average change$100 then in 2026
2026333.918 latest monthly$100.00
2025321.943 11 published indexes+2.6%$103.72
2024313.689+2.9%$106.45
2023304.702+4.1%$109.59
2022292.655+8.0%$114.10
2021270.970+4.7%$123.23
2020258.811+1.2%$129.02
2019255.657+1.8%$130.61
2018251.107+2.4%$132.98
2017245.120+2.1%$136.23
2016240.007+1.3%$139.13
2015237.017+0.1%$140.88
2014236.736+1.6%$141.05
2013232.957+1.5%$143.34
2012229.594+2.1%$145.44
2011224.939+3.2%$148.45
2010218.056+1.6%$153.13
2009214.537-0.4%$155.65
2008215.303+3.8%$155.09
2007207.342+2.9%$161.05
2006201.592+3.2%$165.64
2005195.292+3.4%$170.98
2004188.883+2.7%$176.79
2003183.958+2.3%$181.52
2002179.875+1.6%$185.64
2001177.067+2.8%$188.58
2000172.200+3.4%$193.91
1999166.575+2.2%$200.46
1998163.008+1.6%$204.85
1997160.517+2.3%$208.03
1996156.850+2.9%$212.89
1995152.383+2.8%$219.13
1994148.225+2.6%$225.28
1993144.458+3.0%$231.15
1992140.317+3.0%$237.97
1991136.192+4.2%$245.18
1990130.658+5.4%$255.57
1989123.967+4.8%$269.36
1988118.258+4.1%$282.36
1987113.625+3.7%$293.88
1986109.608+1.9%$304.65
1985107.567+3.5%$310.43
1984103.883+4.3%$321.44
198399.600+3.2%$335.26
198296.500+6.1%$346.03
198190.925+10.3%$367.25
198082.408+13.5%$405.20
197972.575+11.3%$460.10
197865.233+7.6%$511.88
197760.608+6.5%$550.94
197656.908+5.7%$586.76
197553.817+9.1%$620.47
197449.308+11.1%$677.20
197344.400+6.2%$752.07
197241.817+3.3%$798.53
197140.492+4.3%$824.66
197038.825+5.8%$860.06
196936.683+5.5%$910.27
196834.783+4.3%$959.99
196733.358+2.8%$1001
196632.458+3.0%$1029
196531.508+1.6%$1060
196431.017+1.3%$1077
196330.625+1.2%$1090
196230.250+1.2%$1104
196129.892+1.1%$1117
196029.575+1.5%$1129
195929.150+1.0%$1146
195828.858+2.7%$1157
195728.092+3.3%$1189
195627.183+1.5%$1228
195526.775-0.3%$1247
195426.850+0.3%$1244
195326.767+0.8%$1248
195226.550+2.3%$1258
195125.958+7.9%$1286
195024.067+1.1%$1387
194923.808-1.0%$1403
194824.042+7.7%$1389
194722.325+14.4%$1496
194619.517+8.5%$1711
194517.992+2.3%$1856
194417.592+1.6%$1898
194317.308+6.0%$1929
194216.333+10.9%$2044
194114.725+5.1%$2268
194014.008+0.7%$2384
193913.908-1.3%$2401
193814.092-2.0%$2370
193714.383+3.7%$2322
193613.867+1.0%$2408
193513.725+2.6%$2433
193413.383+3.5%$2495
193312.933-5.2%$2582
193213.642-10.3%$2448
193115.208-8.9%$2196
193016.700-2.7%$2000
192917.158+0.0%$1946
192817.158-1.2%$1946
192717.358-1.9%$1924
192617.700+0.9%$1887
192517.542+2.4%$1904
192417.125+0.4%$1950
192317.050+1.8%$1958
192216.750-6.2%$1994
192117.850-10.9%$1871
192020.042+15.6%$1666
191917.333+15.2%$1926
191815.042+17.3%$2220
191712.825+17.8%$2604
191610.883+7.7%$3068
191510.108+0.9%$3303
191410.017+1.3%$3334
19139.883$3379

Source: BLS CPI-U all items, U.S. city average, not seasonally adjusted, retrieved as FRED series CPIAUCNS. Latest observation: 2026-07-01.

Official sources and limits

BLS explains that its inflation calculator uses the average Consumer Price Index for a calendar year and the latest monthly index for the current year. BLS’s CPI math guide explains index ratios and percent changes. VisionBoard retrieves FRED’s CPIAUCNS series, whose source is BLS, and performs the ratio locally in your browser.

This is a national historical price-index comparison, not a forecast, investment return, wage adjustment, tax calculation, or individualized cost-of-living estimate.

CPI calculator questions

How is the inflation-adjusted amount calculated?

The starting amount is multiplied by the target-year CPI and divided by the starting-year CPI. Reversing the years reverses the comparison.

Why use a not-seasonally-adjusted CPI series?

The calculator compares calendar-year levels rather than month-to-month momentum. CPIAUCNS is the all-items U.S. city-average index without seasonal adjustment.

Does a higher equivalent amount mean every price rose that much?

No. It describes the change in the broad CPI market basket. Individual categories and household budgets can move differently.