Inflation Adjusted Portfolio
Calculator
Results
- Final balance in today's money
- $473,392.73
- Final balance
- $877,643.66
- Purchasing power lost to inflation
- $404,250.93
- Real return after inflation (%)
- 3.414634%
Portfolio value over time
- Portfolio balance
- Balance in today's money
Projection schedule
| 1 | 162,952.34 | 158,977.89 | 153,600.00 | 9,352.34 |
| 2 | 176,703.55 | 168,188.99 | 157,200.00 | 19,503.55 |
| 3 | 191,302.91 | 177,643.77 | 160,800.00 | 30,502.91 |
| 4 | 206,802.72 | 187,353.06 | 164,400.00 | 42,402.72 |
| 5 | 223,258.53 | 197,328.01 | 168,000.00 | 55,258.53 |
| 6 | 240,729.30 | 207,580.12 | 171,600.00 | 69,129.30 |
| 7 | 259,277.62 | 218,121.25 | 175,200.00 | 84,077.62 |
| 8 | 278,969.97 | 228,963.65 | 178,800.00 | 100,169.97 |
| 9 | 299,876.89 | 240,119.93 | 182,400.00 | 117,476.89 |
| 10 | 322,073.31 | 251,603.16 | 186,000.00 | 136,073.31 |
| 11 | 345,638.76 | 263,426.78 | 189,600.00 | 156,038.76 |
| 12 | 370,657.67 | 275,604.69 | 193,200.00 | 177,457.67 |
| 13 | 397,219.69 | 288,151.26 | 196,800.00 | 200,419.69 |
| 14 | 425,420.00 | 301,081.31 | 200,400.00 | 225,020.00 |
| 15 | 455,359.65 | 314,410.15 | 204,000.00 | 251,359.65 |
| 16 | 487,145.90 | 328,153.63 | 207,600.00 | 279,545.90 |
| 17 | 520,892.67 | 342,328.09 | 211,200.00 | 309,692.67 |
| 18 | 556,720.85 | 356,950.43 | 214,800.00 | 341,920.85 |
| 19 | 594,758.85 | 372,038.14 | 218,400.00 | 376,358.85 |
| 20 | 635,142.94 | 387,609.28 | 222,000.00 | 413,142.94 |
| 21 | 678,017.84 | 403,682.52 | 225,600.00 | 452,417.84 |
| 22 | 723,537.16 | 420,277.17 | 229,200.00 | 494,337.16 |
| 23 | 771,864.02 | 437,413.21 | 232,800.00 | 539,064.02 |
| 24 | 823,171.57 | 455,111.27 | 236,400.00 | 586,771.57 |
| 25 | 877,643.66 | 473,392.73 | 240,000.00 | 637,643.66 |
Comparison
| Scenario | Final balance | Total growth |
|---|---|---|
| Doing nothing | 877,643.66 | 637,643.66 |
| Your plan | 473,392.73 | 233,392.73 |
Formula
real FV = nominal FV / (1 + π)^t; real rate = (1+r)/(1+π) − 1= 473392.73
Note
Returns are not guaranteed and this is not investment advice. This projection applies the displayed standard formula to the rates you entered and assumes they repeat, unchanged, every single period. Real markets do not behave that way: returns vary year to year, can be negative, and past or projected performance never guarantees future results. The model ignores taxes, trading costs, currency effects and any fee you did not enter. Treat the figures as an illustration of the arithmetic, not a forecast, and consult a licensed adviser before acting on any of them.
More in Portfolio growth
See all →Frequently asked questions
What's the difference between the nominal and real value shown here?+
The nominal value is the raw dollar amount your portfolio is projected to reach, ignoring inflation. The real value adjusts that number down to show what it's actually worth in today's purchasing power — it's the figure that matters for understanding what you can actually buy with the money in the future.
Why does a portfolio that looks like it tripled in nominal terms feel disappointing in real terms?+
If inflation ran at, say, 3% a year over the same period, prices for goods and services roughly doubled too, so a nominal tripling of your portfolio might only represent something closer to a real doubling of purchasing power — the growth is genuine, just smaller than the sticker number suggests.
Does a higher inflation assumption always mean a worse real outcome?+
Yes, holding the nominal return assumption fixed — since real return is approximately nominal return minus inflation, a higher assumed inflation rate directly erodes the real growth shown, even though nothing about the actual investment performance has changed in the comparison.
Which number should I actually plan around, nominal or real?+
Real value is generally the more meaningful figure for long-term planning, since it reflects actual future purchasing power rather than an inflated dollar figure that will buy progressively less. Nominal figures matter mainly for things like tax calculations, which are usually based on nominal gains.
Why might my real return assumption seem low compared to headline market returns?+
Headline market return figures are almost always nominal, so subtracting a reasonable long-run inflation estimate (historically around 2-3% in many developed economies) from a nominal return naturally produces a lower real return figure — this isn't a sign of a pessimistic assumption, just an accurate one.