Real return calculator
Find out whether your investment really beats inflation or your money is losing purchasing power
Inflation eats into your money
The nominal return isn't your real gain — you have to subtract inflation to know your actual purchasing power. Latest headline inflation from the Central Bank: 14.1% (2026-09).
Investment details
Quick comparison across investment types
Using common assumed returns — adjust the numbers for your case
| Type | Nominal return | Real return | Status |
|---|---|---|---|
| Gold | 40% | +22.7% | Beats inflation |
| Real estate | 30% | +13.9% | Beats inflation |
| Bank CD | 23% | +7.8% | Beats inflation |
| Stocks | 20% | +5.2% | Beats inflation |
| USD | 15% | +0.8% | Beats inflation |
Frequently asked questions
What is the real return?
Real return = nominal return minus inflation. If a CD pays 16% and inflation is 10%, the real return is only about 6%.
Why does the real return matter?
If you earn less than inflation, your money loses purchasing power even as the number grows. The real return tells you whether you're actually gaining or losing.
How do I find Egypt's current inflation rate?
CAPMAS publishes the consumer price index monthly. Our calculator uses the latest available figure.
Information is for guidance only and is not financial advice. Assumed returns are estimates and past performance doesn't guarantee future results.