Graph and download economic data for 10-Year Real Interest Rate (REAINTRATREARAT10Y) from Jan 1982 to Sep 2025 about 10-year, interest rate, interest, real, rate, and USA.

Graph and download economic data for 1-Year Real Interest Rate (REAINTRATREARAT1YE) from Jan 1982 to Sep 2025 about 1-year, interest rate, interest, real, rate, and USA.

Real interest rates describe the growth in the real value of the interest on a loan or deposit, adjusted for inflation. Nominal interest rates on the other hand show us the raw interest rate, which is unadjusted for inflation. If the inflation rate in a certain country were zero percent, the real and nominal interest rates would be the same number. As inflation reduces the real value of a loan, however, a positive inflation rate will mean that the nominal interest rate is more likely to be greater than the real interest rate. We can see this in the recent inflationary episode which has taken place in the wake of the Coronavirus pandemic, with nominal interest rates rising over the course of 2022, but still lagging far behind the rate of inflation, meaning these rate rises register as smaller increases in the real interest rate.

Graph and download economic data for 1-Month Real Interest Rate (REAINTRATREARAT1MO) from Jan 1982 to Sep 2025 about 1-month, interest rate, interest, real, rate, and USA.

Real interest rate (%) in New Zealand was reported at --1.7229 % in 2018, according to the World Bank collection of development indicators, compiled from officially recognized sources. New Zealand - Real interest rate - actual values, historical data, forecasts and projections were sourced from the World Bank on September of 2025.

Real interest rate (%) in United States was reported at --1.2585 % in 2021, according to the World Bank collection of development indicators, compiled from officially recognized sources. United States - Real interest rate - actual values, historical data, forecasts and projections were sourced from the World Bank on September of 2025.

The average for 2023 based on 87 countries was 4.42 percent. The highest value was in Madagascar: 41.3 percent and the lowest value was in Zimbabwe: -73.54 percent. The indicator is available from 1961 to 2023. Below is a chart for all countries where data are available.

US 30-Year Treasury Real Interest Rates price data, US 30-Year Treasury Real Interest Rates data, recent 27 years (traceable to Apr 07,1999), the yield unit is %, latest yield value is 2.5, updated at Sep 05,2025

Japan: Real interest rate: Bank lending rate minus inflation: The latest value from 2017 is 1.07 percent, an increase from 0.62 percent in 2016. In comparison, the world average is 5.03 percent, based on data from 128 countries. Historically, the average for Japan from 1993 to 2017 is 2.54 percent. The minimum value, -0.95 percent, was reached in 2015 while the maximum of 4.31 percent was recorded in 1993.

Real interest rate (%) in India was reported at 2.5213 % in 2022, according to the World Bank collection of development indicators, compiled from officially recognized sources. India - Real interest rate - actual values, historical data, forecasts and projections were sourced from the World Bank on September of 2025.

United Kingdom UK: Real Interest Rate data was reported at -1.195 % pa in 2014. This records an increase from the previous number of -1.378 % pa for 2013. United Kingdom UK: Real Interest Rate data is updated yearly, averaging 1.802 % pa from Dec 1967 (Median) to 2014, with 48 observations. The data reached an all-time high of 6.438 % pa in 1985 and a record low of -12.172 % pa in 1975. United Kingdom UK: Real Interest Rate data remains active status in CEIC and is reported by World Bank. The data is categorized under Global Database’s United Kingdom – Table UK.World Bank.WDI: Interest Rates. Real interest rate is the lending interest rate adjusted for inflation as measured by the GDP deflator. The terms and conditions attached to lending rates differ by country, however, limiting their comparability.; ; International Monetary Fund, International Financial Statistics and data files using World Bank data on the GDP deflator.; ;

Canada: Real interest rate: Bank lending rate minus inflation: The latest value from 2017 is 0.13 percent, a decline from 1.97 percent in 2016. In comparison, the world average is 5.03 percent, based on data from 128 countries. Historically, the average for Canada from 1961 to 2017 is 3.26 percent. The minimum value, -4.17 percent, was reached in 1974 while the maximum of 10.36 percent was recorded in 1990.

Graph and download economic data for Market Yield on U.S. Treasury Securities at 30-Year Constant Maturity, Quoted on an Investment Basis, Inflation-Indexed from 2010-02-26 to 2025-09-19 about TIPS, 30-year, maturity, Treasury, securities, interest rate, interest, real, rate, and USA.

Madagascar: Real interest rate: Bank lending rate minus inflation: The latest value from 2023 is 41.3 percent, an increase from 39.18 percent in 2022. In comparison, the world average is 4.42 percent, based on data from 87 countries. Historically, the average for Madagascar from 1989 to 2023 is 26.44 percent. The minimum value, -9.58 percent, was reached in 1995 while the maximum of 52.44 percent was recorded in 2017.

Canada CA: Real Interest Rate data was reported at 0.126 % pa in 2017. This records a decrease from the previous number of 1.969 % pa for 2016. Canada CA: Real Interest Rate data is updated yearly, averaging 2.987 % pa from Dec 1961 (Median) to 2017, with 57 observations. The data reached an all-time high of 10.363 % pa in 1990 and a record low of -4.170 % pa in 1974. Canada CA: Real Interest Rate data remains active status in CEIC and is reported by World Bank. The data is categorized under Global Database’s Canada – Table CA.World Bank.WDI: Interest Rates. Real interest rate is the lending interest rate adjusted for inflation as measured by the GDP deflator. The terms and conditions attached to lending rates differ by country, however, limiting their comparability.;International Monetary Fund, International Financial Statistics and data files using World Bank data on the GDP deflator.;;

In July 2025, global inflation rates and central bank interest rates showed significant variation across major economies. Most economies initiated interest rate cuts from mid-2024 due to declining inflationary pressures. The U.S., UK, and EU central banks followed a consistent pattern of regular rate reductions throughout late 2024. In the first half of 2025, Russia maintained the highest interest rate at 18 percent, while Japan retained the lowest at 0.5 percent. Varied inflation rates across major economies The inflation landscape varies considerably among major economies. China had the lowest inflation rate at 0 percent in July 2025. In contrast, Russia maintained a high inflation rate of 8.8 percent. These figures align with broader trends observed in early 2025, where China had the lowest inflation rate among major developed and emerging economies, while Russia's rate remained the highest. Central bank responses and economic indicators Central banks globally implemented aggressive rate hikes throughout 2022-23 to combat inflation. The European Central Bank exemplified this trend, raising rates from 0 percent in January 2022 to 4.5 percent by September 2023. A coordinated shift among major central banks began in mid-2024, with the ECB, Bank of England, and Federal Reserve initiating rate cuts, with forecasts suggesting further cuts through 2025 and 2026.

In 2023, the real interest rate in Thailand stood at **** percent. Between 1976 and 2023, the figure dropped by **** percentage points, though the decline followed an uneven course rather than a steady trajectory.

Real interest rate (%) in Argentina was reported at --47.48 % in 2024, according to the World Bank collection of development indicators, compiled from officially recognized sources. Argentina - Real interest rate - actual values, historical data, forecasts and projections were sourced from the World Bank on September of 2025.

Mali: Real interest rate: Bank lending rate minus inflation: The latest value from 2017 is 3.14 percent, a decline from 3.89 percent in 2016. In comparison, the world average is 5.03 percent, based on data from 128 countries. Historically, the average for Mali from 2005 to 2017 is 0.95 percent. The minimum value, -6.17 percent, was reached in 2011 while the maximum of 4.6 percent was recorded in 2013.

The inflation rate in the United States declined significantly between June 2022 and July 2025, despite rising inflationary pressures towards the end of 2024. The peak inflation rate was recorded in June 2022, at *** percent. In August 2023, the Federal Reserve's interest rate hit its highest level during the observed period, at **** percent, and remained unchanged until September 2024, when the Federal Reserve implemented its first rate cut since September 2021. By January 2025, the rate dropped to **** percent, signalling a shift in monetary policy. What is the Federal Reserve interest rate? The Federal Reserve interest rate, or the federal funds rate, is the rate at which banks and credit unions lend to and borrow from each other. It is one of the Federal Reserve's key tools for maintaining strong employment rates, stable prices, and reasonable interest rates. The rate is determined by the Federal Reserve and adjusted eight times a year, though it can be changed through emergency meetings during times of crisis. The Fed doesn't directly control the interest rate but sets a target rate. It then uses open market operations to influence rates toward this target. Ways of measuring inflation Inflation is typically measured using several methods, with the most common being the Consumer Price Index (CPI). The CPI tracks the price of a fixed basket of goods and services over time, providing a measure of the price changes consumers face. At the end of 2023, the CPI in the United States was ****** percent, up from ****** a year earlier. A more business-focused measure is the producer price index (PPI), which represents the costs of firms.