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Inflation-Adjusted Returns Calculator

Calculate your real silver returns after accounting for inflation

CPI data updated: 23 January 2026

Inflation-Adjusted Returns Calculator

Calculate your real returns after accounting for inflation

Amount Invested (₹)

Current Value (₹)

Purchase Date

Current Date

Calculation Mode

Inflation Rate (%)

Uses official CPI data from MOSPI when available

📊

Enter your details

Real returns will appear here

CPI Data Source: Ministry of Statistics and Programme Implementation (MOSPI) • Last Updated: 2026-01-23

📚 Understanding Real vs Nominal Returns

Nominal Return

The raw percentage growth of your investment. This is what you typically see — "my silver went up 40%". However, it doesn't tell you how much you can actually buy with that money.

Real Return

Your actual gain in purchasing power. If prices of goods increased by 30% during your holding period, a 40% nominal return is really only ~8% real return. This is the true measure of wealth creation.

💡 Example

You invested ₹1,00,000 in silver 5 years ago. Today it's worth ₹1,50,000.

Nominal Return: 50% (you have ₹50,000 more)
Inflation over 5 years: ~35% (CPI-based)
Real Return: ~11% (your actual purchasing power gain)

While you have 50% more rupees, those rupees buy only ~11% more goods than before.

Current Silver Rate

Live

₹327.42/gram

Last updated: 4:22:26 pm

Inflation Quick Facts

Average Annual CPI (India)

~5-7% per year

10-Year Cumulative Inflation

~60-80%

Data Source

MOSPI (India)

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Frequently Asked Questions

Nominal returns show how much your money has grown in absolute terms. Real returns show your actual gain in purchasing power after accounting for inflation. For example, if your investment grew 50% but inflation was 30%, your real return is only about 15%.

Real return is calculated using the formula: Real Return = (1 + Nominal Return) / (1 + Inflation Rate) - 1. This is more accurate than simply subtracting inflation from nominal return.

CPI (Consumer Price Index) is an official measure of inflation published by MOSPI. It tracks the average change in prices paid by consumers for goods and services. Using CPI gives a reliable, standardized measure of inflation.

If your investment grew by 5% but inflation was 7%, your purchasing power actually decreased by about 2%. Even though you have more rupees, those rupees buy less than before. This is why real returns matter.

Silver historically has been considered an inflation hedge, as commodity prices tend to rise with inflation. However, silver is volatile and may not track inflation perfectly in short periods. Long-term holdings typically show better inflation-adjusted performance.

📚 Understanding Real vs Nominal Returns

Nominal Return

The raw percentage growth of your investment. This is what you typically see — "my silver went up 40%". However, it doesn't tell you how much you can actually buy with that money.

Real Return

💡 Example

You invested ₹1,00,000 in silver 5 years ago. Today it's worth ₹1,50,000.

Nominal Return: 50% (you have ₹50,000 more)
Inflation over 5 years: ~35% (CPI-based)
Real Return: ~11% (your actual purchasing power gain)

While you have 50% more rupees, those rupees buy only ~11% more goods than before.

Inflation-Adjusted Returns Calculator

Inflation-Adjusted Returns Calculator

📚 Why Real Returns Matter

📚 Understanding Real vs Nominal Returns

Nominal Return

Real Return

💡 Example

Current Silver Rate

Inflation Quick Facts

More Tools

Frequently Asked Questions

Inflation-Adjusted Returns Calculator

Inflation-Adjusted Returns Calculator

📚 Why Real Returns Matter

📚 Understanding Real vs Nominal Returns

Nominal Return

Real Return

💡 Example

Current Silver Rate

Inflation Quick Facts

More Tools

Frequently Asked Questions