实际回报率计算器
计算扣除通胀后的投资实际回报率，了解您的投资购买力的真实增长情况，做出更准确的财务规划。
Real Return Rate
6.80 %
Real Return Rate vs Time Period
公式
Real vs Nominal Returns
The Fisher Equation
Real Return = [(1 + Nominal) / (1 + Inflation)] - 1
This is more accurate than simply subtracting inflation from the nominal return.
Why Real Returns Matter
Nominal returns tell you how much your money grows. Real returns tell you how much your purchasing power grows. If investments grow 10% but prices rise 3%, your actual wealth gain is about 6.8%.
Historical Real Returns
计算示例
10% nominal return, 3% inflation, $10,000 over 10 years.
- 01Real return = (1.10 / 1.03) - 1 = 6.80%
- 02Nominal value = $10,000 x (1.10)^10 = $25,937
- 03Real value = $10,000 x (1.068)^10 = $19,307
- 04Purchasing power loss = $25,937 - $19,307 = $6,630
常见问题
Why not just subtract inflation from the return?
Simple subtraction (10% - 3% = 7%) is an approximation. The Fisher equation (1.10 / 1.03 - 1 = 6.80%) accounts for the compounding interaction between returns and inflation and is more precise.
What inflation rate should I use?
For US planning, 2-3% is a reasonable long-term assumption based on the Federal Reserve target. For recent years, check actual CPI data. Some use 4-5% for healthcare-heavy expenses.
Can real returns be negative?
Yes. If inflation exceeds your nominal return, your purchasing power declines even though your account balance grows. This commonly happens with savings accounts and bonds during high-inflation periods.
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