Real Return Calculator

If you earn 5% return but inflation is 3%, real wealth gain is only ~1.9% (not 2%). Over 30 years, that 1.1% difference compounds massively—huge impact on retirement plans.

Yes. If bonds yield 3% and inflation is 4%, real return is −1%. You're losing purchasing power. Cash in high-inflation environment is a store of negative value.

Equities historically beat inflation. TIPS (Treasury Inflation-Protected Securities) adjust principal for inflation. Real estate appreciates with inflation. Avoid pure cash/bonds long-term.