Real interest rate calculator

Return after inflation bites.

Built and reviewed by Dovanic, Founder and editor, FreeByteLast reviewed: 2026-08-18

Nominal rate

4.5%

Inflation

Real rate

1.46%

Rough estimate

1.50%

With these inputs, real rate comes to 1.46%. Rough estimate works out to 1.50%. The result assumes nominal rate stays at 4.5%.

What moves the number · Real rate

Input	−10%	Now	+10%
Nominal rate	1.02%	1.46%	1.89%
Inflation	1.75%	1.46%	1.16%

Whatmakesequal

Save this set of inputs, change something, then save again to compare the outcomes side by side.

Return after inflation bites.

With the defaults above, real rate works out at 1.46%.