Рассчитать реальную доходность инвестиций по формуле фишера онлайн

Калькулятор реальной доходности

Калькулятор реальной доходности используется для расчета реальной доходности.

Определение реальной нормы прибыли

Реальная доходность — это норма прибыли на инвестиции после поправки на инфляцию.

Формула

Формула для расчета реальной нормы прибыли (известная как уравнение Фишера) выглядит следующим образом: Где R = реальная норма прибыли N = номинальная норма прибыли Я = уровень инфляции Например, если номинальная доходность ваших инвестиций составила 6 % в период, когда инфляция в среднем составляла 2 %, ваша реальная доходность составила бы 3,922 %. Reference this content, page, or tool as:

Real interest rate using Fisher equation

When you receive the repayment of principal plus interest at the end of a year, interest is calculated using the nominal interest rate. However, if there is inflation, your money lost some buying power, compared against the buying power of the principal amount at the time it was deposited. So, if you want to get your Real interest rate, you should take inflation into account. The relationship between nominal and real interest rates under inflation is given by The Fisher equation, named after Irving Fisher. Where — nominal interest rate — real interest rate — inflation rate Note that for small rates (several percents) Fisher equation can be approximated as

Fisher Equation Calculator

This tool is used to calculate the real interest rate, nominal interest rate and inflation rate by using fisher equation.

Results

In order to find the real rate of return, we use the Fisher equation. The equation states that: We can rearrange the equation to find real interest rate: Therefore, the real interest rate, or actual return on investment, of the portfolio equals:

Formula To Calculate Fisher Equation :

The Fisher equation is a concept of economics stating the relationship between nominal interest rates and real interest rates under inflation. The Fisher equation is expressed through the following formula: R = the real interest rate, The real interest rate refers to the amount reflecting the buying capacity of the money borrowed over a specific time. I = the nominal interest rate, The nominal rate of interest is the type of interest rate which is measured before considering the inflation in an economy. P = the inflation rate, The inflation rate is a measure of the price inflation comprehending the annual percentage change in the consumer price index (CPI). However, one can also use the approximate version of the previous formula:

Fisher Effect Calculator

We have prepared this Fisher effect calculator to help you Understand the Fisher effect equation and its calculation. The Fisher effect is an economic theory developed to Explains the relationship between nominal interest rate and Real interest rate. This is a crucial concept to understand if you are an investor. We wrote this article to help you understand What the Fisher effect is and How to calculate it using the Fisher effect formula. To help you understand this concept, we will also demonstrate some exemplary calculations. Let’s start our discussion by understanding the Fisher effect definition.

What is the Fisher effect? The Fisher effect definition

The Fisher effect is defined as an Economic theory that explains the relationship between the nominal interest rate and the real interest rate. Hence, to fully understand the Fisher effect equation, we need first to understand the nominal interest rate and the real interest rate. The Nominal interest rate is defined as the real interest rate plus the expected inflation. These are the interest rates you see on the market. For example, the interest rates on bank loans are considered the nominal interest rate. These are the interest rate that you pay at a point in time. The Real interest rate is the nominal interest after stripping away the expected inflation. It represents the economic value of the interest rate. The Fisher effect states the relationship between the real interest rate and the nominal interest rate, which we explained above. It also describes the Relationship between money supply and real interest rate. We’ll explain the details after the calculation.

How to calculate the Fisher effect?

Calculating the Fisher effect is actually an easy task. The Fisher equation calculator requires 2 inputs: The calculation of the Fisher effect only requires 3 steps: Determine the nominal interest rate The nominal interest rate can be found everywhere. The most accessible proxy is to refer to the interest rate of a standard bank loan. In our example, the nominal interest rate is assumed to be 5% . Determine the expected inflation of your country Every government publishes their Consumer Price Index (CPI) every month. This is generally assumed to be the expected inflation rate. For the U. S., you can find the inflation data through the U. S. Bureau of Labor Statistics. You can calculate the inflation using our inflation calculator. The expected inflation in our example is 2% . Calculate the real interest rate using the Fisher effect formula The last step is to calculate the real interest rate using the Fisher effect equation. The Fisher effect formula is shown below: real interest rate = nominal interest rate — expected inflation Thus, the real interest rate in our example is 5% — 2% = 3% . You can of course use this Fisher equation calculator to obtain the same result in no time!

How do we interpret the Fisher effect?

Now that we’ve settled the calculation, let’s look how to interpret the relationship:

The Fisher effect depicts the relationship between nominal interest rate and real interest rate. Indirectly, this shows the Relationship between nominal interest rate and the money supply. This means that the Nominal interest rate will adjust according to the inflation to keep the real interest rate constant. Assuming the Real interest rate does not change, the Fisher effect shows that if the central bank increases the interest rate by 2%, the nominal interest rate will also increase by 2%.

What is nominal interest rate?

The Nominal interest rate is the interest rate before taking inflation into account. These are the interest rates you see on bank loans. The most impactful nominal interest rate is the Federal Reserve funds rate.

What is the real interest rate?

Real interest rate is defined as nominal interest rate minus by the expected inflation. It reflects the purchasing power of the interest paid. Hence, the real interest rate is always seen as the better metric as it reflects the economic reality.

What is inflation?

Inflation is a Phenomenon where the purchasing power of a currency decreases over time. This is generally shown in the increase in the prices of items. Hence, over time, the amount you can buy with a unit of currency is less.

What is the difference between the Fisher effect and the International Fisher effect?

The Fisher effect depicts the relationship between the nominal interest rate and real interest rate. On the other hand, the International Fisher effect explains the changes in currency exchange rates using the difference in the interest rate of 2 countries. Источники: Https://miniwebtool. com/ru/real-rate-of-return-calculator/ Https://planetcalc. com/8554/ Https://www. mymathtables. com/calculator/finance/fisher-equation-calculator. html Https://www. omnicalculator. com/finance/fisher-effect