Precision instruments for financial analysis

Time Preference Calculator

Real purchasing power preservation analysis — fiat savings vs. hard asset scenarios, grounded in Menger/Fekete interest theory.

Inputs

Nominal savings rate: 5%

Estimated debasement rate: 7%

Time horizon: 10 years

Fiat Savings

$82.80

Real purchasing power of $100 after 10yr

Loss: -17.20%

Hard Asset (Gold)

$121.90

Real purchasing power of $100 after 10yr

Gain: 21.90%

Educational illustration only. Gold appreciation assumption is ~2% real annual (long-term historical average). Not investment advice. Actual results depend on entry price, storage costs, and market conditions.