The Debase Brief
Investor Real Returns Calculator

What are your investments actually returning?

Your portfolio is up. So is M2. The number your broker shows and the number that matters are not the same.

Total investment portfolio — stocks, ETFs, bonds, whatever you’re tracking.
$
Your portfolio’s total return percentage. Use a negative number for a loss year.
%
Pulling government data...
Act II — What the government says
CPI vs Reality
Official CPI says inflation is...
M2 money supply actually grew...
Your real situation vs M2...
The gap they don't mention
M2 growth minus CPI — the debasement happening behind the official number
Act III — What you can do about it
The dollar loses ground every year. Scarce assets don't. Here's what moving your annual erosion into gold or Bitcoin would have done.
🏎
Gold
Your erosion held in gold (1yr)
Monthly to offset erosion
at gold's avg annual return
₿
Bitcoin
Your erosion held in BTC (1yr)
Monthly to offset erosion
at BTC's avg annual return
Trailing 12-month returns — live via FRED & Kraken. Gold: +74% · BTC: +70% · Past performance does not guarantee future results.
Beating the market isn't enough. You have to beat M2 to actually get wealthier.
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