Real Return Calculator (After Inflation)
Nominal Return (%)
Inflation Rate (%)
Real Return = ((1 + Nominal) / (1 + Inflation)) − 1
Real return adjusts investment gains for inflation to show the actual increase in purchasing power. The Fisher equation is exact; nominal minus inflation is the common approximation.
- 1Fisher: Real = (1+Nominal)/(1+Inflation) − 1
- 2Approximation: Real ≈ Nominal − Inflation
- 38% nominal at 3% inflation → 4.85% real (not 5%)
- 4Always compare investments using real returns
Nominal 8%, inflation 3%=Real return = (1.08/1.03)−1 = 4.85%
| Asset | Nominal | Real (~3% inflation) |
|---|---|---|
| Global stocks | ~10% | ~7% |
| Bonds | ~5% | ~2% |
| Property | ~6% | ~3% |
| Cash | ~3% | ~0% |
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