TIPS Calculator (Treasury Inflation-Protected)
Calculate TIPS real return and inflation-adjusted principal. Compare to nominal Treasury bonds.
Total Value at Maturity
$15,749.01
Adjusted Principal
$13,439.16
Total Coupon Income
$2,309.84
TIPS Return Summary
| Original Principal | $10,000.00 |
| Inflation-Adjusted Principal (10 yr) | $13,439.16 |
| Principal Appreciation | $3,439.16 |
| Total Coupon Payments | $2,309.84 |
| Total Return | $5,749.01 |
| Annualized Nominal Return | 4.65% |
| Annualized Real Return | 2.00% |
TIPS vs Nominal Treasury
| Nominal Treasury Yield (est.) | 5.00% |
| Nominal Treasury Total | $15,000.00 |
| Nominal Real Value (after inflation) | $11,161.41 |
| TIPS Total Value | $15,749.01 |
| If inflation is higher than expected | TIPS wins |
| If inflation is lower than expected | Nominal wins |
Growth Over Time
| Year 5 | Principal: $11,592.74 | Coupons: $1,069.73 |
| Year 10 | Principal: $13,439.16 | Coupons: $2,309.84 |
Use the TIPS Calculator (Treasury Inflation-Protected) above to calculate your results. Enter your values and see instant results — all calculations run in your browser.
Disclaimer: This calculator is for informational purposes only and does not constitute tax, financial, or legal advice. Results are estimates based on the information you provide and current rates. Always consult a qualified tax professional or financial advisor for advice specific to your situation.
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