Quick guide
How to use this calculator
- Enter the balance, rate, timing, fee, or contribution assumptions named by the fields.
- Use one currency and follow the stated nominal, effective, simple-interest, or compounding convention.
- Review the calculator-specific assumptions before comparing accounts or making a savings decision.
Calculation method
Calculation method
Real rate = (1 + nominal effective rate) ÷ (1 + inflation rate) − 1. Real ending value = nominal ending value ÷ (1 + inflation)^years.
Entered fixed decimals are parsed exactly. Compound projections use stable exponential forms and preserve zero-rate cases exactly; money rounds only for display and a supported nonzero amount is not replaced by a misleading zero.
Worked example
Worked example
A 5% effective savings rate with 3% inflation has a real annual rate of approximately 1.9417%.
Real rate = (1 + nominal effective rate) ÷ (1 + inflation rate) − 1. Real ending value = nominal ending value ÷ (1 + inflation)^years.
Supported inputs
Precision and limits
Visible input limits
Amounts accept up to 30 digits and 12 decimal places and are capped at 1e12 per input. Rates are capped at 1000%. Most projections are capped at 1,200 months or 100 years; narrower whole-number limits appear in field labels.
International scope
No currency, institution, current market rate, deposit-insurance rule, tax system, regulatory disclosure, or jurisdiction-specific product term is assumed.
Decision boundary
Results are arithmetic scenarios from visitor-entered assumptions, not account quotations, forecasts, tax advice, legal determinations, deposit guarantees, or recommendations.
Calculator-specific assumptions
Both rates are constant scenarios. The result does not use a jurisdictional inflation index or forecast.