What is the real rate of return?

The real rate of return adjusts the nominal return for inflation using the Fisher equation: Real Rate = (1 + Nominal) ÷ (1 + Inflation) − 1.

Real Rate of Return Calculator

Estimate investment return after inflation drag.

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Nominal return (%)

Expected inflation (%)

About This Calculator

The real rate of return strips inflation out of investment performance to reveal your actual gain in purchasing power. This calculator applies the Fisher equation (not just nominal minus inflation) to give you the mathematically precise real return.

Estimates only — not financial, tax, legal, or investment advice. Verify important results with a qualified professional before making decisions.

real rate = (1 + nominal) ÷ (1 + inflation) − 1 (fisher equation)