Real Return Calculator — Calculate Inflation-Adjusted Investment Returns

Real Return Calculator

Calculate the real return on your investments adjusted for inflation. Understand how inflation affects your investment growth and purchasing power over time.

Step 1: Investment Details

$10,000
$2,000
20 years
7%

Understanding Real Return

Real return is your investment return adjusted for inflation. It shows the actual purchasing power of your money over time, not just the nominal dollar amount.

Step 2: Inflation & Tax Details

3%
15%

About Inflation Impact

Inflation reduces the purchasing power of money over time. A 3% inflation rate means prices double every 24 years. Real return accounts for this erosion of value.

Real Return Results

Summary
Investment Comparison
Detailed Analysis

Real Value of Investment (After Inflation)

$92,665
Nominal Value: $159,422
Nominal Value
$159,422
Real Return Rate
3.88%
Total Contributions
$50,000
Inflation Loss
$66,757

Investment Type Comparison

Investment Type Avg. Return Real Return Final Value (20 yrs) Risk Level

Real Return Analysis

Real Return Formula

Real Return = [(1 + Nominal Return) ÷ (1 + Inflation Rate)] – 1

The real return formula adjusts nominal returns for inflation to show the actual increase in purchasing power. This calculation accounts for the erosion of value caused by rising prices over time.

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