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Real Interest Rate Calculator

Convert a nominal rate and inflation into your true, inflation-adjusted real interest rate.

How to use

  1. Enter your values in the fields above.
  2. Press Calculate to see your result instantly.
  3. Use the Share button to copy a link to your result.

About this calculator

This calculator converts a nominal interest rate into a real interest rate using the exact Fisher equation, (1 + real) = (1 + nominal) / (1 + inflation), alongside the simpler textbook approximation of just subtracting inflation from the nominal rate.

Savers and investors use it to see whether a savings account or bond is actually growing their purchasing power or merely keeping pace with rising prices, and economics students use it to see how much the quick approximation diverges from the precise formula at higher inflation rates.

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