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Returns

Inflation-adjusted return

What your return is worth once inflation is taken out of it.

Your numbers

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%

Nepal Rastra Bank publishes the consumer price index. Take the current figure from its macroeconomic report.

Rs

The rates above are defaults, not facts. Commission slabs, the SEBON fee and tax rates are set by regulation and revised without notice. These were last checked in August 2026— confirm them against your broker’s statement or SEBON before you rely on a figure.

Result

Real return each year
8.57%
Value after 5 yearsin future rupees
Rs 1,92,541.46
Worth in today's money
Rs 1,50,861.27
Lost to inflation
Rs 41,680.19
Show the working
  1. Real = (1 + 14.00%) ÷ (1 + 5.00%) − 1 = 8.57%
  2. Nominal value = Rs 1,00,000.00 × (1 + 14.00%)^5 = Rs 1,92,541.46
  3. In today's money = Rs 1,50,861.27

How this is worked out

  • Subtracting inflation from your return is the rough version. The exact form divides the growth factors, which is what this uses — the difference grows as both numbers get larger.
  • A return below inflation is a loss in purchasing power even though the rupee figure went up. This is the number that decides whether an investment was worth making at all.

On NEPSE

Nepal's inflation is published by Nepal Rastra Bank and moves with food and fuel prices. A fixed deposit rate that looks safe can still be a real loss.

Read the lesson: NRB publications→

This is a calculator, not advice. It works out arithmetic from the numbers you enter — it does not know your circumstances and does not tell you what to buy. Rate defaults were last checked in August 2026.