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What $100 of 2000 is worth in 2025: the CPI-U ratio, cumulative inflation and the average yearly rate

ToolInflation Calculator
SourceU.S. Bureau of Labor Statistics. Consumer Price Index for All Urban Consumers (CPI-U), U.S. city average, all items, not seasonally adjusted, 1982–84 = 100, series CUUR0000SA0, annual averages for 2000 (172.2) and 2025 (321.943), retrieved 2026-11-13. The month-to-month results quoted last are those of the Bureau's own CPI Inflation Calculator, read the same day.
LevelUndergraduate

Problem

Restate $100.00 of the year 2000 in dollars of 2025 with the Consumer Price Index for All Urban Consumers. Find the price ratio, the equivalent amount, the cumulative inflation, the average yearly (compound) rate and what $100.00 kept as cash since 2000 still buys.

Inputs to Enter

  • Amount $100.00; from year 2000; to year 2025 (annual averages)
  • Advanced mode: nominal return 7 % a year
Open the Inflation Calculator tool (loaded with this example)

Answers

  • Index values: I1 = 172.2 (2000), I2 = 321.943 (2025); price ratio 321.943 / 172.2 = 1.8696
  • Equivalent amount 100 × 321.943 / 172.2 = $186.96
  • Cumulative inflation 100 (1.8696 − 1) = 86.96 %
  • Average yearly rate over 25 years: 1.8696^(1/25) − 1 = 2.53 % a year (86.96 / 25 = 3.48 % would ignore compounding)
  • Buying power 100 × 172.2 / 321.943 = $53.49: the cash lost 46.5 % of its buying power
  • Advanced mode, Fisher relation: real return 1.07 / 1.02534 − 1 = 4.36 % a year; $100.00 at 7 % grows to $542.74, which is $290.30 in 2000 dollars
  • Month to month, as the Bureau's calculator works: $100.00 of January 1980 = $331.58 in January 2020 (257.971 / 77.8)

Notes

The tool's default inputs are this case; press Submit. The CPI-U is an average for urban consumers; the inflation of one household or one product differs. Every number was checked against an independent numpy calculation from the raw Bureau of Labor Statistics files, and three month-to-month results reproduce the Bureau's own calculator to the cent (test_inflation_calculator.php). A calculator for education and analysis, not investment advice.