Real interest rates account for the effects of inflation ... Many loans and deposits calculate interest more often than once a year, such as semiannually, quarterly or daily.

These are today's mortgage and refinance rates. Mortgage rates have gone up this month as investors wait for clarity on tariffs and the budget.

In order to take the impact of inflation into account, many investors calculate what's known as the "real" rate of return or interest rate on their investments after paying any related taxes.

A real interest rate provides the actual return on a loan (to the lender) and on a bond (to the investor). To calculate the real interest rate, subtract the actual or expected rate of inflation ...

Calculating the real interest rate You can calculate the real interest rate by subtracting the rate of inflation from the nominal interest rate. Here's the formula: Real interest rate = nominal ...

Other factors, such as the maturity and liquidity of the bond, may also affect the real interest rate. How to Calculate Interest Receivable From a Bond Amortization. A bond is a type of debt ...

The real interest rate is simply the stated rate you see on the news adjusted for price inflation. To calculate the real interest rate, you take the quoted interest rate and subtract CPI.