Discounts the loss of purchasing power
—from the market
Total contributed
—
Gain from the market
—
Final value (nominal)
—
Value in today's money
—
% generated by the market
—
What you contributed
What the market generated
Value in today's money (real)
Year by year
| Year | Contributed (€) | Nominal value (€) | Real value (€) | Unrealised gain (€) | % gain | Split |
|---|
The real value restates future capital in today's money by discounting inflation: 293,777 € thirty years from now, with inflation at 2.5 %, buys what about 140,000 € buys today. Markets are quoted in nominal terms but you live in real ones, which is why both figures matter. Constant average return and inflation are assumed, with contributions at the start of each month; reality will oscillate around these numbers. Capital gains tax applies only when you sell (see the Spanish tax calculator, in Spanish).