See the real (inflation-adjusted) value of your investments — the purchasing power your money will actually have.
Uses the standard Fisher equation: real return = (1 + nominal) / (1 + inflation) − 1.
A 10% return means very different things at 2% inflation vs 8%. This calculator projects both the nominal balance and the real (inflation-adjusted) balance — the purchasing power your future money will actually have in today's dollars.
Real Rate = (1 + Nominal Rate) / (1 + Inflation Rate) − 1. Real FV = PV × (1 + real)^n + PMT × ((1 + real)^n − 1) / real, using monthly periods.
$50,000 initial, $500/month, 30 years at 7% nominal return, 3% inflation: nominal FV is about $807,000, real FV is about $332,000 in today's dollars. Nearly $475,000 of that headline number is inflation, not real growth.
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US long-run average is 2.5–3%. Use higher for more conservative planning.
No — this is a pre-tax projection. Adjust separately or use a tax-advantaged account model.
Real return strips out inflation, showing the actual growth of purchasing power — the number that matters long-term.
This calculator is for educational and estimation purposes only. It does not provide financial, mortgage, tax, investment, or legal advice. Actual rates, payments, taxes, fees, insurance costs, eligibility, and loan terms vary by lender, location, credit profile, and market conditions. Always compare official offers and consult a qualified professional before making financial decisions.
Last updated June 2026 · Prepared by the mCalculator Editorial Team