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Real Rate of Return Calculator

Result

Show formula & working

Real return = (1 + Nominal) ÷ (1 + Inflation) − 1

After tax: Nominal × (1 − tax), then the same formula

All-India CPI inflation (year on year): rates and rules as of 12-Oct-2026 · Source: MoSPI press release on the Consumer Price Index (base 2024=100) for September 2026, issued 12 October 2026 (provisional). Every figure based on it stays editable.

A return only adds to wealth if it beats inflation. The exact real return is a little lower than simply subtracting inflation.

Tax reduces the nominal return first, which often leaves a much smaller real return.

Which inflation figure should I use?

For planning, a long-run assumption for your own expenses; CPI is shown as a reference.

Can the real return be negative?

Yes — then purchasing power falls even though the balance grows.

Turn these numbers into a decision that fits your situation.

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