Fixed Interest Calculator
See how a fixed annual rate grows your principal and what it is worth in real terms.
About this calculator
Fixed interest investments
A fixed interest rate stays constant for the investment period. Bonds, CDs, and fixed-term notes pay a predetermined rate, making future nominal cash flows predictable.
Inflation reduces purchasing power of fixed nominal returns. The real value shows what your future balance is worth in today's money.
Future value = P × (1 + r)^t
Reference tables & standards
SEC investor guidance — fixed income basics
Source: U.S. Securities and Exchange Commission (SEC)| Concept | Detail |
|---|---|
| Coupon / stated rate | Fixed periodic interest payment on a bond |
| Maturity | Date principal is repaid |
| Inflation risk | Fixed payments buy less if prices rise |
| Real return | Nominal return minus inflation effect |
Calculations are for educational and planning purposes only. They are not financial, tax, or investment advice. Rates, fees, and inflation assumptions vary in real markets.