Investment Return Calculator
Enter your initial investment, annual return rate, and time period to calculate future value, total return, ROI, and CAGR. Supports optional monthly contributions. Works for stocks, real estate, ETFs, and savings accounts.
How it works
This investment return calculator runs entirely in your browser — no data is sent to any server. Simply fill in the fields above and the result updates instantly. You can copy the output with the copy button provided.
Frequently Asked Questions
What is ROI and how is it calculated?
ROI (Return on Investment) = (Final Value − Initial Investment) / Initial Investment × 100%. For example, investing $10,000 that grows to $15,000 gives ROI = 50%. It doesn't account for time — use CAGR to compare investments of different durations.
What is CAGR?
CAGR (Compound Annual Growth Rate) is the annual rate at which an investment would have grown if it grew at a steady rate. Formula: CAGR = (End Value / Start Value)^(1/years) − 1. It's the best single number for comparing investment performance.
What is a good annual return on investment?
The S&P 500 has averaged ~10% annually (7% after inflation) over the long term. Real estate typically returns 8–12% including rental yield. High-yield savings accounts currently offer 4–5%. Anything above 15% consistently is exceptional.
How do monthly contributions affect investment returns?
Monthly contributions dramatically increase final value because each contribution also compounds over time. Even small regular additions (e.g., $200/month) can double or triple your final balance over 20–30 years compared to a lump-sum investment alone.
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