Real rate of return calculator
Enter your deposit, your interest rate and an inflation rate. You get both numbers at once, the balance the statement will show and what that balance will actually buy.
How this real rate of return calculator works
Step 01
Put in your deposit and the number of years you plan to hold it for
Step 02
Add the interest rate you earn, and an average inflation rate to test it against
Step 03
Press Show Real Value for the balance your statement will carry at the end of the term
Step 04
Read what it feels like in today's money underneath, and whether your rate beat inflation or lost to it
Curious? Here's what women ask before they start.
If your question isn’t here, reach out at [support email] and we’ll answer.
What is a real rate of return?
It is your return after inflation has been taken out. If you earn 8% while inflation runs at 6%, your real return is about 2%, and that is the part that actually increases what you can buy.
Is a fixed deposit safe?
A fixed deposit is safe in the sense that the balance does not fall. It carries a different risk, which is that the balance may not keep up with prices. Module 02 works through the difference.
What inflation rate should I use?
Use a long-term average rather than one unusual year, and test a higher figure to see how sensitive the result is. Check the Central Bank of Sri Lanka for current published inflation.
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Your money should last as long as you do. Knowing how it works is where that starts.
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