Guide
7% Return Calculator With Inflation: What the Number Really Means
A 7% return assumption can mean different things depending on whether inflation is already included. Learn how to avoid double-counting inflation in long-term projections.
Nominal vs. real return
A nominal return is before inflation. A real return is after inflation. If you enter a nominal return and also add inflation, the calculator can show future value and today's-dollar purchasing power separately.
Why inflation matters
A large future balance can look impressive while buying less than expected. Inflation-adjusted views help translate long-term results into money that feels closer to today's dollars.
How to use ClearWorth
If you think of 7% as an inflation-adjusted planning return, leave the inflation field at zero. If you enter a higher nominal return, add an inflation assumption to see the real value.