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Real return calculator: what remains after inflation?
A larger account balance does not necessarily mean more purchasing power. Put the nominal return and inflation in the same calculation to see what the future balance may be worth in today's money.
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Nominal ending balance: $162,889. Purchasing power in today's money: $121,030. Annual real return: 1.9%.
The calculation compounds both rates and uses the Fisher relationship. It excludes taxes, fees and uneven returns.
How to read it
Start with the real annual return, then check the ending purchasing power. A negative real return means purchasing power may shrink even while the balance rises. A positive result is not a promise because actual returns and inflation change.
Continue with the inflation calculator and allocation guide.