1 Year Real Interest Rate Indicator

Measurement
Percent
Indicator Type or Source
Interest Indicator
Period End Date
October 1, 2025
Clasification
Interest
 
Black Monday
 
Oil Shock
 
Dot-com Bubble
 
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Covid
1 Year Real Interest Rate Indicator is an economic indicator measured in Percent. It covers the period from Sunday, December 22, 1985, to Wednesday, October 1, 2025, and is updated monthly. Please note, the Federal Reserve Bank of Cleveland estimates the expected rate of inflation over the next 30 years along with the inflation risk premium, the real risk premium, and the real interest rate. Their estimates are calculated with a model that uses Treasury yields, inflation data, inflation swaps, and survey-based measures of inflation expectations. For more information, please visit the Federal Reserve Bank of Cleveland. Please view all Interest indicators for more information or continue to All Top Economic Indicators.
Source: Federal Reserve Bank of St. Louis (fred.stlouisfed.org)

40-Year History of 1 Year Real Interest Rate Indicator

The above interactive chart and the table below show the 40-year history of 1 year real interest rate indicator going back to Sunday, December 22, 1985. The current value is 1.13 which was updated on Wednesday, October 1, 2025. Historical data enables economists and other stakeholders to identify patterns and trends over time. This can provide insights into how different sectors of the economy are likely to perform under similar conditions in the future.
Oct 1, 20251.13  
Sep 1, 20251.1  
Aug 1, 20251.52  
Jul 1, 20250.84  
Jun 1, 20251.72  
May 1, 20251.2  
Apr 1, 20250.87  
Mar 1, 20252.26  
Feb 1, 20251.34  
Jan 1, 20251.64  
Dec 1, 20241.59  
Nov 1, 20242.05  
Oct 1, 20242.21  
Sep 1, 20242.45  
Aug 1, 20242.54  
Jul 1, 20242.51  
Jun 1, 20242.32  
May 1, 20241.95  
Apr 1, 20242.08  
Mar 1, 20243.04  
Feb 1, 20242.4  
Jan 1, 20242.51  
Dec 1, 20231.63  
Nov 1, 20232.78  
Oct 1, 20233.18  
Sep 1, 20233.32  
Aug 1, 20234.31  
Jul 1, 20235.1  
Jun 1, 20238.01  
May 1, 20231.15  
Apr 1, 20231.25  
Mar 1, 20232.6  
Feb 1, 20231.43  
Jan 1, 20231.36  
Dec 1, 20220.83  
Nov 1, 20220.25  
Oct 1, 20220.0271  
Sep 1, 2022-2.59  
Aug 1, 2022-1.47  
Jul 1, 2022-1.4  
Jun 1, 2022-3.97  
May 1, 2022-3.26  
Apr 1, 2022-3.29  
Mar 1, 2022-3.0  
Feb 1, 2022-2.65  
Jan 1, 2022-2.23  
Dec 1, 2021-2.93  
Nov 1, 2021-2.6  
Oct 1, 2021-1.84  
Sep 1, 2021-3.47  
Aug 1, 2021-3.21  
Jul 1, 2021-2.02  
Jun 1, 2021-1.92  
May 1, 2021-1.7  
Apr 1, 2021-1.53  
Mar 1, 2021-1.5  
Feb 1, 2021-2.03  
Jan 1, 2021-1.61  
Dec 1, 2020-1.84  
Nov 1, 2020-1.35  
Oct 1, 2020-1.2  
Sep 1, 2020-1.32  
Aug 1, 2020-1.24  
Jul 1, 2020-0.74  
Jun 1, 20201.42  
May 1, 20202.88  
Apr 1, 20203.24  
Mar 1, 20203.35  
Feb 1, 2020-0.54  
Jan 1, 2020-0.6  
Dec 1, 2019-0.29  
Nov 1, 2019-0.22  
Oct 1, 2019-0.0405  
Sep 1, 20190.28  
Aug 1, 20190.65  
Jul 1, 20191.05  
Jun 1, 20191.85  
May 1, 20191.87  
Apr 1, 20193.12  
Mar 1, 20195.7  
Feb 1, 20190.57  
Jan 1, 20190.6  
Dec 1, 20180.48  
Nov 1, 20180.12  
Oct 1, 2018-0.18  
Sep 1, 2018-0.68  
Aug 1, 2018-0.11  
Jul 1, 2018-0.13  
Jun 1, 20180.76  
May 1, 20180.44  
Apr 1, 20180.78  
Mar 1, 20181.34  
Feb 1, 2018-0.83  
Jan 1, 2018-0.78  
Dec 1, 2017-2.82  
Nov 1, 2017-0.98  
Oct 1, 2017-0.84  
Sep 1, 2017-1.02  
Aug 1, 2017-0.37  
Jul 1, 2017-0.44  
Jun 1, 20170.68  
May 1, 2017-0.41  
Apr 1, 2017-0.56  
Mar 1, 2017-0.16  
Feb 1, 2017-1.18  
Jan 1, 2017-1.37  
Dec 1, 2016-2.25  
Nov 1, 2016-1.88  
Oct 1, 2016-1.65  
Sep 1, 2016-2.2  
Aug 1, 2016-1.42  
Jul 1, 2016-1.5  
Jun 1, 2016-0.55  
May 1, 2016-1.17  
Apr 1, 2016-1.19  
Mar 1, 20160.2  
Feb 1, 2016-0.21  
Jan 1, 2016-0.87  
Dec 1, 2015-0.73  
Nov 1, 2015-0.74  
Oct 1, 2015-0.85  
Sep 1, 2015-1.75  
Aug 1, 2015-1.3  
Jul 1, 2015-1.26  
Jun 1, 2015-1.18  
May 1, 2015-0.99  
Apr 1, 2015-0.83  
Mar 1, 20150.92  
Feb 1, 20151.54  
Jan 1, 20151.12  
Dec 1, 2014-2.5  
Nov 1, 2014-0.35  
Oct 1, 2014-1.11  
Sep 1, 2014-1.97  
Aug 1, 2014-1.32  
Jul 1, 2014-1.78  
Jun 1, 2014-1.19  
May 1, 2014-1.52  
Apr 1, 2014-1.32  
Mar 1, 2014-0.87  
Feb 1, 2014-1.4  
Jan 1, 2014-1.35  
Dec 1, 2013-1.91  
Nov 1, 2013-1.02  
Oct 1, 2013-1.08  
Sep 1, 2013-1.36  
Aug 1, 2013-1.57  
Jul 1, 2013-0.17  
Jun 1, 2013-0.68  
May 1, 2013-0.51  
Apr 1, 2013-0.77  
Mar 1, 20130.49  
Feb 1, 2013-0.95  
Jan 1, 2013-1.12  
Dec 1, 2012-2.49  
Nov 1, 2012-1.52  
Oct 1, 2012-1.68  
Sep 1, 2012-2.12  
Aug 1, 2012-1.17  
Jul 1, 2012-1.21  
Jun 1, 2012-0.36  
May 1, 2012-1.25  
Apr 1, 2012-1.87  
Mar 1, 2012-1.33  
Feb 1, 2012-1.66  
Jan 1, 2012-1.59  
Dec 1, 2011-1.95  
Nov 1, 2011-1.64  
Oct 1, 2011-1.6  
Sep 1, 2011-0.75  
Aug 1, 2011-1.3  
Jul 1, 2011-2.57  
Jun 1, 2011-2.04  
May 1, 2011-2.12  
Apr 1, 2011-1.47  
Mar 1, 2011-1.53  
Feb 1, 2011-1.37  
Jan 1, 2011-1.11  
Dec 1, 2010-0.94  
Nov 1, 2010-1.17  
Oct 1, 2010-1.0  
Sep 1, 2010-0.14  
Aug 1, 2010-0.69  
Jul 1, 2010-0.07  
Jun 1, 2010-0.38  
May 1, 2010-0.5  
Apr 1, 2010-0.44  
Mar 1, 2010-1.62  
Feb 1, 2010-1.07  
Jan 1, 2010-0.81  
Dec 1, 2009-1.22  
Nov 1, 2009-1.01  
Oct 1, 2009-0.81  
Sep 1, 2009-1.89  
Aug 1, 2009-0.97  
Jul 1, 2009-0.1  
Jun 1, 20090.49  
May 1, 20090.0675  
Apr 1, 20090.0694  
Mar 1, 20093.25  
Feb 1, 20092.08  
Jan 1, 20092.03  
Dec 1, 20082.55  
Nov 1, 20082.78  
Oct 1, 20081.19  
Sep 1, 2008-1.02  
Aug 1, 2008-1.47  
Jul 1, 2008-0.82  
Jun 1, 2008-0.36  
May 1, 2008-0.38  
Apr 1, 20080.0657  
Mar 1, 20080.63  
Feb 1, 20080.3  
Jan 1, 20081.12  
Dec 1, 20071.49  
Nov 1, 20072.19  
Oct 1, 20071.71  
Sep 1, 20071.81  
Aug 1, 20072.13  
Jul 1, 20071.91  
Jun 1, 20071.09  
May 1, 20071.45  
Apr 1, 20072.06  
Mar 1, 20072.08  
Feb 1, 20072.48  
Jan 1, 20072.29  
Dec 1, 20063.45  
Nov 1, 20063.35  
Oct 1, 20062.83  
Sep 1, 20062.77  
Aug 1, 20062.15  
Jul 1, 20062.16  
Jun 1, 20062.38  
May 1, 20062.3  
Apr 1, 20062.09  
Mar 1, 20063.25  
Feb 1, 20062.12  
Jan 1, 20062.02  
Dec 1, 20050.87  
Nov 1, 20051.27  
Oct 1, 20051.18  
Sep 1, 20051.98  
Aug 1, 20051.27  
Jul 1, 20051.09  
Jun 1, 20050.83  
May 1, 20050.67  
Apr 1, 20050.48  
Mar 1, 20050.58  
Feb 1, 20050.53  
Jan 1, 20050.34  
Dec 1, 20041.18  
Nov 1, 2004-0.0438  
Oct 1, 2004-0.21  
Sep 1, 2004-1.33  
Aug 1, 2004-0.49  
Jul 1, 2004-0.45  
Jun 1, 2004-0.99  
May 1, 2004-0.51  
Apr 1, 2004-0.41  
Mar 1, 2004-0.0643  
Feb 1, 2004-0.4  
Jan 1, 2004-0.14  
Dec 1, 2003-0.6  
Nov 1, 2003-0.16  
Oct 1, 2003-0.2  
Sep 1, 20030.0564  
Aug 1, 20030.0968  
Jul 1, 2003-0.0924  
Jun 1, 2003-1.22  
May 1, 20030.0804  
Apr 1, 2003-0.11  
Mar 1, 2003-0.17  
Feb 1, 2003-0.19  
Jan 1, 2003-0.19  
Dec 1, 2002-0.0617  
Nov 1, 2002-0.28  
Oct 1, 2002-0.2  
Sep 1, 2002-0.0154  
Aug 1, 20020.18  
Jul 1, 20020.26  
Jun 1, 20020.44  
May 1, 20020.11  
Apr 1, 20020.53  
Mar 1, 20021.08  
Feb 1, 20020.86  
Jan 1, 20020.79  
Dec 1, 2001-0.2  
Nov 1, 20011.06  
Oct 1, 20011.03  
Sep 1, 20010.25  
Aug 1, 20011.59  
Jul 1, 20011.69  
Jun 1, 20011.45  
May 1, 20011.86  
Apr 1, 20012.4  
Mar 1, 20013.62  
Feb 1, 20012.83  
Jan 1, 20013.13  
Dec 1, 20002.32  
Nov 1, 20002.76  
Oct 1, 20003.05  
Sep 1, 20003.0  
Aug 1, 20003.24  
Jul 1, 20003.35  
Jun 1, 20001.98  
May 1, 20002.79  
Apr 1, 20002.9  
Mar 1, 20002.66  
Feb 1, 20002.64  
Jan 1, 20002.65  
Dec 1, 19991.84  
Nov 1, 19992.17  
Oct 1, 19992.26  
Sep 1, 19992.72  
Aug 1, 19992.63  
Jul 1, 19992.55  
Jun 1, 19993.45  
May 1, 19992.16  
Apr 1, 19992.5  
Mar 1, 19992.43  
Feb 1, 19991.91  
Jan 1, 19991.98  
Dec 1, 19982.36  
Nov 1, 19982.02  
Oct 1, 19982.12  
Sep 1, 19982.24  
Aug 1, 19982.35  
Jul 1, 19982.27  
Jun 1, 19982.87  
May 1, 19982.6  
Apr 1, 19982.71  
Mar 1, 19982.7  
Feb 1, 19982.53  
Jan 1, 19982.66  
Dec 1, 19972.84  
Nov 1, 19972.17  
Oct 1, 19972.33  
Sep 1, 19972.85  
Aug 1, 19972.65  
Jul 1, 19972.93  
Jun 1, 19972.77  
May 1, 19972.6  
Apr 1, 19972.58  
Mar 1, 19972.43  
Feb 1, 19971.95  
Jan 1, 19972.15  
Dec 1, 19962.45  
Nov 1, 19962.15  
Oct 1, 19962.36  
Sep 1, 19962.67  
Aug 1, 19962.45  
Jul 1, 19962.68  
Jun 1, 19962.38  
May 1, 19962.31  
Apr 1, 19962.59  
Mar 1, 19962.6  
Feb 1, 19962.14  
Jan 1, 19962.42  
Dec 1, 19953.05  
Nov 1, 19952.33  
Oct 1, 19952.53  
Sep 1, 19952.2  
Aug 1, 19952.52  
Jul 1, 19952.44  
Jun 1, 19953.11  
May 1, 19953.71  
Apr 1, 19952.36  
Mar 1, 19952.16  
Feb 1, 19952.26  
Jan 1, 19952.33  
Dec 1, 19942.01  
Nov 1, 19942.04  
Oct 1, 19942.03  
Sep 1, 19942.03  
Aug 1, 19942.0  
Jul 1, 19941.48  
Jun 1, 19941.25  
May 1, 19941.55  
Apr 1, 19941.3  
Mar 1, 19940.34  
Feb 1, 19940.78  
Jan 1, 19940.89  
Dec 1, 19930.95  
Nov 1, 19930.73  
Oct 1, 19930.53  
Sep 1, 19930.77  
Aug 1, 19930.91  
Jul 1, 19930.84  
Jun 1, 19931.26  
May 1, 19930.6  
Apr 1, 19930.71  
Mar 1, 19930.55  
Feb 1, 19930.8  
Jan 1, 19930.9  
Dec 1, 19921.1  
Nov 1, 19920.91  
Oct 1, 19920.74  
Sep 1, 19920.98  
Aug 1, 19921.07  
Jul 1, 19921.25  
Jun 1, 19921.25  
May 1, 19921.49  
Apr 1, 19921.75  
Mar 1, 19921.37  
Feb 1, 19921.45  
Jan 1, 19921.5  
Dec 1, 19911.64  
Nov 1, 19912.07  
Oct 1, 19912.16  
Sep 1, 19912.63  
Aug 1, 19912.7  
Jul 1, 19912.86  
Jun 1, 19912.96  
May 1, 19913.15  
Apr 1, 19913.42  
Mar 1, 19912.83  
Feb 1, 19913.01  
Jan 1, 19912.69  
Dec 1, 19902.09  
Nov 1, 19902.06  
Oct 1, 19902.58  
Sep 1, 19902.85  
Aug 1, 19903.9  
Jul 1, 19904.29  
Jun 1, 19903.72  
May 1, 19904.31  
Apr 1, 19904.53  
Mar 1, 19904.43  
Feb 1, 19903.37  
Jan 1, 19903.82  
Dec 1, 19893.92  
Nov 1, 19893.86  
Oct 1, 19893.94  
Sep 1, 19893.97  
Aug 1, 19893.73  
Jul 1, 19893.9  
Jun 1, 19894.45  
May 1, 19894.51  
Apr 1, 19894.06  
Mar 1, 19893.47  
Feb 1, 19893.41  
Jan 1, 19893.25  
Dec 1, 19883.27  
Nov 1, 19883.04  
Oct 1, 19883.12  
Sep 1, 19883.36  
Aug 1, 19883.24  
Jul 1, 19882.52  
Jun 1, 19883.13  
May 1, 19882.91  
Apr 1, 19882.81  
Mar 1, 19882.7  
Feb 1, 19882.86  
Jan 1, 19882.47  
Dec 1, 19872.41  
Nov 1, 19873.43  
Oct 1, 19873.65  
Sep 1, 19872.38  
Aug 1, 19872.57  
Jul 1, 19872.27  
Jun 1, 19872.85  
May 1, 19872.11  
Apr 1, 19872.5  
Mar 1, 19873.29  
Feb 1, 19872.29  
Jan 1, 19872.48  
Dec 1, 19862.42  
Nov 1, 19862.69  
Oct 1, 19862.77  
Sep 1, 19863.0  
Aug 1, 19863.36  
Jul 1, 19863.5  
Jun 1, 19864.49  
May 1, 19864.97  
Apr 1, 19865.12  
Mar 1, 19865.32  
Feb 1, 19864.48  
Jan 1, 19864.29  
Dec 1, 19854.46  
Nov 1, 19854.21  
Oct 1, 19854.08  
Sep 1, 19854.12  
Aug 1, 19854.26  
Jul 1, 19854.46  
Jun 1, 19853.52  
May 1, 19854.99  
Apr 1, 19855.72  
Mar 1, 19854.54  
Feb 1, 19854.79  
Jan 1, 19855.14  
Dec 1, 19845.75  
Nov 1, 19846.38  
Oct 1, 19846.86  
Sep 1, 19846.43  
Aug 1, 19846.07  
Jul 1, 19846.29  
Jun 1, 19845.38  
May 1, 19845.37  
Apr 1, 19845.36  
Mar 1, 19845.6  
Feb 1, 19845.2  
Jan 1, 19845.35  
Dec 1, 19834.45  
Nov 1, 19834.62  
Oct 1, 19834.93  
Sep 1, 19835.47  
Aug 1, 19835.74  
Jul 1, 19834.73  
Jun 1, 19835.96  
May 1, 19835.3  
Apr 1, 19835.09  
Mar 1, 19835.3  
Feb 1, 19834.87  
Jan 1, 19834.7  
Dec 1, 19825.35  
Nov 1, 19825.76  
Oct 1, 19824.63  
Sep 1, 19823.3  
Aug 1, 19825.67  
Jul 1, 19827.45  
Jun 1, 19829.29  
May 1, 19828.27  
Apr 1, 19828.17  
Mar 1, 19827.67  
Feb 1, 19826.71  

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