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Investing
Convert nominal return and inflation into a mathematically consistent real return.
Changing currency affects display formatting only. FinTrex does not convert exchange rates or mix currencies inside a calculation.
FinTrex result
Real Return After Inflation
Modeled real annual return
3.9%
Nominal return
7%
Inflation
3%
What changes this most?
Real return measures change in modeled purchasing power, which can differ materially from the nominal return shown on an account.
Sensitivity check
A roughly 10% move in nominal annual return changes the modeled headline result by up to 0.7% in this setup.
Returns and inflation vary over time. This is a rate conversion, not a forecast.
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Formula
Real return is calculated as (1 + nominal return) ÷ (1 + inflation) − 1.
This Fisher-style conversion preserves compounding relationships. It is more accurate than simply subtracting inflation from the nominal return, especially when rates are larger.
Editable rates, growth assumptions, prices, fees, and percentages are planning inputs unless the calculator explicitly identifies a current source.
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