Investment Return Calculator

Calculate net investment gain, total return, and annualized growth.

Your inputs

Return analysis / investment planning

Initial investment

Final value

Holding period (years)

Investment start date

Investment end date

Investment target balance

Assumed nominal annual return (%)

Contribution each deposit period

More options & settings

Cash income received

Total fees

Holding period input

Planning compounding frequency

Planning deposits per year

Planning deposit timing

Expected annual inflation (%)

Annual return reduction for fees (percentage points)

Try a worked example

10,000 growing to 15,000 over 5 years is 50% total return,about 8.45% annualized.

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Your result

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Behind the answer

Total return = (final + income − fees − initial)/initial; CAGR = ((final+income−fees)/initial)^(1/years) − 1

How to use this calculator

Analyze an observed investment return using years or dates, or choose a separate forward-planning mode to solve ending balance, contributions, required return, starting investment or investment length. Planning compounding and deposit timing are explicit. Historical total income less fees is treated as ending wealth.

Enter return analysis / investment planning, initial investment, final value and review the remaining options.
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Formula and method

Total return = (final + income − fees − initial)/initial; CAGR = ((final+income−fees)/initial)^(1/years) − 1

Calendar periods use elapsed days divided by 365.2425 years. Annualized return is a beginning/ending wealth comparison, not an internal rate of return.

Worked example

10,000 growing to 15,000 over 5 years has about 8.45% annualized growth.

Questions about investment return calculator

Is annualized return the same as ROI?

No. Total return measures gain relative to the initial investment. Annualized return spreads the modeled growth over the holding period. Cash income is treated as ending wealth; this is not an internal-rate-of-return calculation with timed cash flows.

What assumptions should I check?

Calendar periods use elapsed days divided by 365.2425 years. Annualized return is a beginning/ending wealth comparison, not an internal rate of return.

Are my inputs saved?

Calculations run in your browser. We store only tool IDs for favorites and recent tools. Sharing inputs in links is disabled for this category.

Financial tools model the assumptions shown above and do not predict actual returns or replace lender disclosures or professional advice. Amounts are currency-neutral: use the same currency for every amount. No exchange rate is applied.