PLN Inflation Calculator - Polish Zloty (1989-2025)

This tool is useful to calculate the time value of money based on historical inflation and CPI values. To start, select an amount and two years, or browse the default calculation results.

zł100 in 1989

zł15,697.45 in 2024

The cumulative inflation rate in Poland between 1989 and 2024 was 15,597.45%, meaning that overall prices were 157 times higher than they were in 1989. In other words, the purchasing power of zł100 in 1989 was equivalent to zł15,697.45 in 2024. The average annual inflation rate over this period was 15.54%.

Inflation timeline in Poland (1989 - 2024)

The chart below shows how the value of zł100 changes over time when adjusted for inflation, based on Consumer Price Index (CPI) data. All values are equivalent in terms of purchasing power, indicating how much money would be needed each year to buy the same goods or services.

All calculations are performed in Polish zloty with six-decimal precision, though displayed values are rounded to two decimals for readability. Inflation figures are sourced from official government and international reports released monthly.

The following table contains relevant indicators:

Indicator	Value
Cumulative inflation from 1989 to 2024	15,597.45%
Avg. Annual inflation from 1989 to 2024	15.54%
CPI 1989	0.97
CPI 2024	151.8

How to calculate the time value of money with inflation data?

There are several ways to calculate the time value of money. Depending on the data available, results can be obtained by using the Consumer Price Index (CPI) formula or the compound interest formula.

Using the CPI formula

When we have both the start and end years, we can use the following formula:

Value_t =Value₀ ×

CPI_t/CPI₀

To obtain the values equivalent in buying power between 1989 and 2024, use the corresponding CPI values:

Value₂₀₂₄

=Value₁₉₈₉ ×

CPI₂₀₂₄/CPI₁₉₈₉

=zł 100 ×

151.8/0.97

≈zł15,697.45

Alternative: Using the compound interest formula

Given that money changes with time as a result of an inflation rate that acts as compound interest, we can use the following formula: FV = PV × (1 + i)ⁿ, where:

FV: Future Value
PV: Present Value
i: Interest rate (inflation)
n: Number of times the interest is compounded (i.e. # of years)

In this case, the future value represents the final amount obtained after applying the inflation rate to our initial value. In other words, it indicates how much are zł100 worth today. There are 35 years between 1989 and 2024 and the average inflation rate was 15.5415%. Therefore, we can resolve the formula like this:

Value₂₀₂₄

=PV × (1 + i)ⁿ

=zł100 × (1 + 0.155415)³⁵