Metodologia

Transparent methodology

011. Calculation

Real yield calculation

Formula:Real Yield = (Gross - Fees) × (1 - Tax) - Inflation

Step 1

Subtract fees

Step 2

Apply tax

Step 3

Subtract inflation

022. Data Sources

ECB

  • €STR rate
  • Bond yields
ecb.europa.eu

Eurostat

  • HICP data
  • Country inflation
ec.europa.eu/eurostat

Banks

  • Published rates
  • Term deposits
Verified manually

Funds & ETFs

  • TER from documents
  • Current yields
Official sites

3. Tax Rates

Standard rates simplified

  • Income brackets
  • Product type
  • Residency
  • Deductions
  • Holding period
Consult tax advisor

Open Data API

The market data behind this site is available as a free, unauthenticated JSON endpoint. No API key required; CORS is open, so it can be consumed directly from browsers.

GET https://euroyields.com/api/market-data

The response includes the ECB deposit facility and main refinancing rates, Euribor 3M, the euro-area AAA yield curve (1Y/2Y/3Y/10Y), 10-year government bond yields and HICP inflation for 16 countries, plus source attributions and a timestamp. Values refresh from official ECB and Eurostat sources; responses are cached for up to 15 minutes.

A machine-readable feed of headline rate changes (ECB decisions, Euribor and €STR moves) is available at /feed.xml.

If you build on this data, an attribution link to euroyields.com is appreciated. Underlying sources: ECB Data Portal and Eurostat (both free and official).

5. Limitations

Errors Possible

Mistakes can occur

Not Financial Advice

Educational tool only

No Liability

No responsibility

Questions?

Happy to explain more

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