How do I find inflation-adjusted returns for stocks or ETFs?

Calculate CAGR/XIRR including dividends (total return), then convert to real return using CPI: Real = [(1+Return)/(1+Inflation)] − 1.

Should I include dividends and splits?

Yes. Use total-return data or add dividend cashflows. Splits are already reflected in prices.

Pick full market cycles (5–10+ years). Short windows can distort real performance due to inflation spikes.

Yes. If price gains are lower than inflation, the real return becomes negative despite nominal growth.

Equities have higher volatility but historically deliver higher real returns than fixed deposits over long horizons.

Stock Investment Amount

Annual Stock Return (%)

Inflation Rate (%)

Investment Period (Years)

Dividend Yield (%)

Nominal Value

Nominal Profit

Inflation Impact

Real Value

Total Dividends

Real Profit

Real Return Rate

{{ realReturnRate.toFixed(2) }}%