The cumulative inflation rate in Poland between 1995 and today has been 308.03%, meaning that prices are 4.08 times higher than they were in 1995. In practical terms, the purchasing power of zł100 in 1995 is equivalent to zł408.03 in today's zloty. The average annual inflation rate over this period has been 4.64%.
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. To convert historical amounts into today's zloty, we use the most recent CPI data available and extrapolate it to estimate the CPI for today.
The following table contains relevant indicators:
| Indicator | Value |
|---|---|
| Cumulative inflation 1995-2025 | 305.4% |
| Cumulative inflation 1995-today | 308.03% |
| Avg. Annual inflation 1995-2025 | 4.78% |
| CPI 1995 | 38.88 |
| CPI 2025 | 157.6 |
| CPI 2025-12 (latest official data) | 158.32 |
| CPI today | 158.63 |
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.
When we have both the start and end years, we can use the following formula:
To obtain the values equivalent in buying power between 1995 and 2025, use the corresponding CPI values:
To obtain the equivalent value today (present value), plug in the CPI for today, which is estimated as 158.63:
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:
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 30 years between 1995 and 2025 and the average inflation rate was 4.7763%. Therefore, we can resolve the formula like this:
| Initial Value | Equivalent value | |
|---|---|---|
| zł1 zloty in 1995 | → | zł4.05 zloty in 2025 |
| zł5 zloty in 1995 | → | zł20.27 zloty in 2025 |
| zł10 zloty in 1995 | → | zł40.54 zloty in 2025 |
| zł50 zloty in 1995 | → | zł202.7 zloty in 2025 |
| zł100 zloty in 1995 | → | zł405.4 zloty in 2025 |
| zł500 zloty in 1995 | → | zł2,027.01 zloty in 2025 |
| zł1,000 zloty in 1995 | → | zł4,054.02 zloty in 2025 |
| zł5,000 zloty in 1995 | → | zł20,270.12 zloty in 2025 |
| zł10,000 zloty in 1995 | → | zł40,540.24 zloty in 2025 |
| zł50,000 zloty in 1995 | → | zł202,701.18 zloty in 2025 |
| zł100,000 zloty in 1995 | → | zł405,402.36 zloty in 2025 |
| zł500,000 zloty in 1995 | → | zł2,027,011.8 zloty in 2025 |
| zł1,000,000 zloty in 1995 | → | zł4,054,023.6 zloty in 2025 |
| Cumulative inflation From 1995 | 308.03% |
| Avg. annual inflation From 1995 | 4.64% |
| CPI 1995 | 38.88 |
| CPI today | 158.63 |
| Period | Value |
|---|---|
| 1995 | 100 |
| 1996 | 119.79 |
| 1997 | 137.66 |
| 1998 | 153.63 |
| 1999 | 164.62 |
| 2000 | 180.91 |
| 2001 | 190.7 |
| 2002 | 194.33 |
| 2003 | 195.66 |
| 2004 | 202.28 |
| 2005 | 206.69 |
| 2006 | 209.35 |
| 2007 | 214.5 |
| 2008 | 223.43 |
| 2009 | 231.91 |
| 2010 | 237.9 |
| 2011 | 247.98 |
| 2012 | 256.81 |
| 2013 | 259.36 |
| 2014 | 259.5 |
| 2015 | 257.23 |
| 2016 | 255.52 |
| 2017 | 260.82 |
| 2018 | 265.55 |
| 2019 | 271.47 |
| 2020 | 280.63 |
| 2021 | 294.81 |
| 2022 | 337.35 |
| 2023 | 376.25 |
| 2024 | 390.48 |
| 2025 | 405.4 |
| 2025-12 | 407.25 |
| Today | 408.03 |
All available years
Today's value of Polish zloty by year:
1989 | 1990 | 1991 | 1992 | 1993 | 1994 | 1995 | 1996 | 1997 | 1998 | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
Other currencies: