Real Return Calculator
See how inflation changes the purchasing power of an investment's return. This is a mathematical illustration of the nominal-return and inflation assumptions you enter, not a prediction of actual future returns.
Your assumptions
Adjust the amounts below to see how the inflation-adjusted return changes.
In rupees, today.
A neutral assumption you choose — not a forecast or a promised return.
A neutral assumption you choose — not a forecast of actual future inflation.
Your estimate
₹10,00,000 at an assumed 10% nominal return over 10 years illustrates a nominal future value of ₹25,93,742. Adjusted for an assumed 6% inflation, that is worth about ₹14,48,332 in today's purchasing power — an inflation-adjusted return of 3.77% p.a. This is a mathematical illustration of the assumptions entered, not a prediction of actual future returns.
₹10,00,000 par 10% assumed nominal return, 6% assumed inflation ke saath, 10 saal mein — nominal future value ₹25,93,742 hai, jo aaj ki purchasing power mein lagbhag ₹14,48,332 ke barabar hai, yaani lagbhag 3.77% per annum ka inflation-adjusted (real) return. Yeh do assumptions ka mathematical illustration hai, real future returns ka prediction nahi.
Nominal return ya inflation ki assumption badal ke dekhiye ki real return kaise change hota hai — kisi cost ko aage project karne ke liye Inflation Calculator dekhein.
Learn about this calculator
Fisher equation use karke, inflation kisi investment ke nominal (headline) return ki purchasing power ko kaise badalti hai, yeh dikhata hai.
Kisi investment ka headline, ya nominal, return poori kahani nahi batata — usi period mein inflation purchasing power ko kam karti hai. Yeh calculator ek assumed nominal return ko ek assumed inflation rate ke saath jodkar inflation-adjusted (real) return dikhata hai, saath hi nominal future value aur woh amount aaj ke rupees mein kya value rakhti hai.
Yeh kaise kaam karta hai
Yeh starting amount ko entered nominal return par aage compound karta hai, phir us nominal future value ko entered inflation rate se ghata kar aaj ki purchasing power mein uska value dhoondta hai — real return rate standard Fisher equation use karke inhi do assumptions se nikali jaati hai.
Har input ka matlab kya hai
- Starting investment
- Aaj invest ki gayi amount, rupees mein.
- Expected nominal return
- Aapke dwara maana gaya annual headline return — ek neutral assumption, prediction ya promised return nahi.
- Expected inflation
- Aapke dwara chuni gayi ek neutral annual inflation assumption — real future inflation ka prediction nahi.
- Period
- Kitne saal ke liye amount ke badhne ka anumaan hai.
Results ka matlab kya hai
- Estimated real (inflation-adjusted) return
- Assumed inflation rate ke liye adjusted nominal return — per year actual purchasing power ke terms mein return ka value.
- Nominal future value
- Bina kisi inflation adjustment ke, sirf nominal return par compound ki gayi starting amount.
- Inflation-adjusted value
- Assumed inflation rate se ghatane ke baad, aaj ki purchasing power mein dobara bataya gaya nominal future value.
Assumptions
- Maana jaata hai ki nominal return aur inflation dono poore period mein har saal ek constant rate par apply hote hain — real returns aur real inflation dono year-to-year badalte hain.
- Taxes, costs, aur cash-flow timing ko model nahi kiya gaya hai.
Limitations
- Yeh calculator real future returns ya real future inflation ki prediction nahi karta — dono aapke dwara enter ki gayi assumptions hain, aur reality se kaafi alag ho sakte hain.
- Yeh volatility ko account mein nahi leta — real investment returns ek constant rate par smoothly compound hone ke bajaye year-to-year fluctuate karte hain.
Aam galtiyan
- Ek investment ke nominal return ki tulna doosre ke real (inflation-adjusted) return se karna — hamesha same cheezon ki tulna karein.
- Yeh maan lena ki positive nominal return ka hamesha matlab badhti wealth hota hai — agar inflation nominal return se zyada hai, toh purchasing power actually kam ho jaati hai.
Udaharan
Jaise, ₹10,00,000 par 10% assumed nominal return, 6% assumed inflation ke saath, 10 saal mein lagbhag ₹25.9 lakh ka nominal future value dikhata hai, jo aaj ki purchasing power mein lagbhag ₹14.5 lakh ke barabar hai — lagbhag 3.77% per annum ka real return.
FAQ
Nominal return aur real return mein kya farak hai?
Nominal return inflation ke liye adjust kiye bina headline percentage hai. Real return us figure ko inflation ke liye adjust karta hai, yeh dikhate hue ki actual purchasing power mein return ka value kya hai.
Nominal return positive hone par bhi real return negative kaise ho sakta hai?
Agar inflation nominal return se zyada hai, toh paisa rupees ke terms mein badhta hai lekin purchasing power kho deta hai, isliye inflation-adjusted return negative nikalta hai.
Agar aap kisi specific future cost (jaise koi goal ya expense) ko inflation assumption ke tehat aage project karna chahte hain, toh aage Inflation / Future Cost Calculator dekhein.
For illustration only. Not investment advice. Mutual fund investments are subject to market risks; read all scheme related documents carefully. Returns assumed are hypothetical and not guaranteed.