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Term deposits and inflation

What does a term deposit pay after inflation?

The rate on the poster is not what you keep. Pick a term, and this reads the sourced yield for it against the latest inflation reading.

Your figures

Typed, not dragged. The figure updates as you type.

The published yield for this termPublished figure, checked Oct 1, 20264.06%
Inflation, last 12 monthsPublished figure, checked Oct 1, 20263.40%

Nothing is assumed beyond the figures on this page. Tax is not modelled.

A 0.08333333333333333 years term, after inflation

0.66%

This term still outpaces inflation by 0.66%.

The working

The published yield for this term
4.06%
Inflation, last 12 months
− 3.40%
What is left after inflation
0.66%

Arithmetic on your figures. Not a recommendation or personal advice.

Where these came from

Read on
August 1, 2026
Source
U.S. Bureau of Labor Statistics.
Series
CUUR0000SA0

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Arithmetic on your figures. Not a recommendation or personal advice. It does not predict next year, and it does not ask for your bank account.

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