Investment Return Calculator
Evaluate investment outcome with total return and CAGR.
Calculator Input
Result
- CAGR
- -
- Ending Value
- -
- Profit
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How to Use This Investment Return Calculator Effectively
Use the investment return calculator to separate total gain from annualized performance. This matters because a 40% gain over one year is very different from a 40% gain over eight years.
Enter the starting value, ending value, and holding period to compare total return and CAGR. If you are planning future contributions, combine this with the Compound Interest Calculator. For retirement assumptions, compare the result with the Retirement Calculator instead of copying one past return into the future.
CAGR smooths performance and does not show volatility, drawdowns, fees, or taxes. Treat the result as an analysis number, not a promise of future returns.
Scenario Checks Before Comparing Returns
Separate new deposits from investment gain before judging performance. If you added money during the period, a simple start-and-end comparison can overstate the actual return generated by the investment itself.
Use CAGR to compare periods with different lengths, then compare the result with a conservative future assumption. Past performance can help you review decisions, but it should not be copied directly into retirement or savings plans. For future value planning, move the assumption into the Compound Interest Calculator.
FAQ
What is the difference between total return and CAGR?
Total return shows the whole gain. CAGR shows the smoothed annual growth rate over the holding period.
Can I compare two investments with different timeframes?
Yes. CAGR is useful for that comparison, but you should also consider risk and volatility.
Does this include dividends, taxes, or fees?
Only if you include them in the ending value. Otherwise, adjust those separately.