Work out inflation adjusted return instantly with clear inputs, formula shown and shareable results.
Only the real return builds purchasing power. Deflating the nominal return by inflation through the Fisher relation shows what the investment actually buys at the end, which is usually far less than the headline balance suggests.
Real return
real = (1 + nominal)/(1 + inflation) - 1; Real value = P(1 + real)^t
Figures are estimates for planning only. Market returns are not guaranteed, and rates, limits and tax rules change. This is not financial or tax advice — speak to a qualified adviser before acting.
It is about 4.7% real — positive but modest, and taxes would cut it further.
Use the inflation you actually face; education and healthcare costs often rise faster than the general index.