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Does your savings beat inflation?

How much your savings grow, and how much of that is real profit after inflation.

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years
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Shortcut: Paraguay bank CDA average, terms over 365 days (BCP, June 2026).

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Paraguay, September 2026.

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Educational estimate based on the data you enter. It doesn't include taxes or future changes. It's not an offer or personalized advice.

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How it's calculated

Monthly rate i = (1 + r)^(1/12) − 1. Balance = Initial × (1 + i)^m + Contribution × ((1 + i)^m − 1) / i, with contributions at the end of each month. Real balance = Balance / (1 + inflation)^years.

The real gain is what's left after subtracting what you put in and the loss of purchasing power. If it comes out negative, your money earns less than inflation.

BCP references (June 2026, average of banks in guaraníes): demand savings 1.46%, CDA up to 365 days 8.36%, CDA over 365 days 9.95%. Each institution sets its own rate.

Watch out for this

  • Your institution's rate may differ from the average: use the one they offer you in writing.
  • Results don't include taxes or rate changes during the term.
  • Check whether your deposit is covered by deposit insurance, such as the BCP's deposit guarantee in Paraguay.

Frequently asked questions

Questions about this calculator

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Where does the default rate come from?

It's an example value. For reference, in Paraguay the BCP published an average of 9.95% for bank CDAs in guaraníes with terms over 365 days (June 2026).

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