Tool

How much does inflation eat?

Start with something you actually buy — tacos and a soda, $100 — and see what the same thing costs later, and what your money would still buy.

To buy the same thing you would need

$148

What it costs today (MXN) $100

Default: tacos and a soda, $100.

Annual inflation 4 %

Banxico aims for 3 %, give or take a point. Move it to whatever you believe.

Years 10

What your money buys

Today$100

In {years} years$68

Money sitting still vs money at the reference rate

—	In pesos	What it buys
Sitting still (0 %)	$100	$68
At 6.50 % a year	$188	$127

At that rate your money keeps up with prices: the same pesos still buy the same things.

Banxico target rate, 6.50 %, verified by hand on Aug 3, 2026. CETES move close to it; check the rate of the day at cetesdirecto before deciding anything.

What you learn here

Inflation does not take money out of your account: it takes things out of your money. The bill is the same, the shopping cart is smaller.
Money sitting still at 0 % is not neutral, it is a slow loss — and that loss compounds exactly like interest does, only against you.
What matters is the rate minus inflation. A number that grows while prices grow faster is still going backwards.

Read the full lesson: What inflation is, and how it hits you →

Educational tool. It assumes constant rates and ignores taxes, fees and any surprise; real returns and real inflation change every year. It is here to show the shape of the idea, not to plan your money with it, and it is not financial advice.