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Re:Inflation as a first-class citizen in financial tools by carderne on Monday September 02, 2024 @10:50AM (#41425806)
It should be implicit whenever you use a compound interest calculator that you’re interested in today-dollars, not future-dollars.

So any interest rate you estimate should already have inflation factored in.

Re:Inflation as a first-class citizen in financial tools by pranitbauva1997 on Monday September 02, 2024 @12:46PM (#41426888)
Using (absolute interest rate - inflation) as the real interest rate is a good enough approximation, but the present value of the last EMI payment would be impossible to obtain.