Real Return Calculator
Estimate post-tax and inflation-adjusted return.
Real Return Calculator
Year by year
| Nominal | Value | PostTax | |
|---|---|---|---|
| Year 0 | ₹5,00,000 | ₹5,00,000 | ₹5,00,000 |
| Year 1 | ₹5,60,000 | ₹5,22,642 | ₹5,54,000 |
| Year 2 | ₹6,27,200 | ₹5,46,308 | ₹6,13,832 |
| Year 3 | ₹7,02,464 | ₹5,71,047 | ₹6,80,126 |
| Year 4 | ₹7,86,760 | ₹5,96,906 | ₹7,53,579 |
| Year 5 | ₹8,81,171 | ₹6,23,935 | ₹8,34,966 |
| Year 6 | ₹9,86,911 | ₹6,52,189 | ₹9,25,142 |
| Year 7 | ₹11,05,341 | ₹6,81,722 | ₹10,25,058 |
| Year 8 | ₹12,37,982 | ₹7,12,592 | ₹11,35,764 |
| Year 9 | ₹13,86,539 | ₹7,44,861 | ₹12,58,426 |
| Year 10 | ₹15,52,924 | ₹7,78,590 | ₹13,94,337 |
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How this is worked out
Post-tax return = return × (1 − tax rate). Real return = (1 + post-tax return) ÷ (1 + inflation) − 1.
About this calculator
Use this calculator to estimate post-tax and inflation-adjusted return. It works from Investment Amount, Nominal Return, Inflation and Tax Rate, so you can adjust inputs and immediately see how the outcome changes.
- Estimate inflation-adjusted and post-tax return, not just headline growth.
- See what your investment is really earning in purchasing-power terms.
- Use it to compare products more honestly across different tax and inflation assumptions.
This calculator is an illustration based on the inputs you provide and the assumptions stated above. It is not a recommendation, a projection of actual returns, or a guarantee of any outcome. Actual results will differ. Investment in securities market are subject to market risks. Read all the related documents carefully before investing.
Curious how this looks on your portfolio?
Our team can run these numbers against your real holdings, goals and timeline.