Real Return Calculator
Shows what a return is worth after inflation.
Real return
— %
Share sends a link that reopens these numbers. Copy details pastes the full breakdown as a list.
Value in future money —
Value in today's money —
Reading this —
The formula
real = (1 + nominal) ÷ (1 + inflation) − 1
Dividing rather than subtracting allows for inflation also eating into the growth itself.
What to watch out for
Tax and fees come off the nominal return first, so use a net figure if you can.
Frequently Asked Questions
What is a real rate of return?
The return after inflation. 7% with 3% inflation is 3.88% real.