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Methodologie

Transparent methodology

1. Calculation

Real yield calculation

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

Step 1
Subtract fees

Step 2
Apply tax

Step 3
Subtract inflation

2. Data Sources

Official sources only

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

Treasuries

  • Auction results
  • Official yields
  • IGCP data

3. Tax Rates

Standard rates simplified

⚠ Important: Actual tax varies

  • Income brackets
  • Product type
  • Residency
  • Deductions
  • Holding period

Consult tax advisor

4. Updates

  • Live: ECB, Eurostat
  • Weekly: Bonds, funds
  • Manual: Bank rates

Timestamp shown below

5. Limitations

Errors Possible
Mistakes can occur

Not Financial Advice
Educational tool only

No Liability
No responsibility

Third-Party Data
Cannot guarantee accuracy

Conditions
Read provider terms

6. Transparency

Public methodology

  • Documented formulas
  • Public sources
  • Calculator available
  • Feedback welcome

Honesty is our goal

Questions?

Happy to explain more

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