Investment Return Calculator
Calculate your return on investment (ROI), compound annual growth rate (CAGR), and total gain or loss on any investment. Annualize returns for fair comparison.
Investment details ROI · CAGR · Total return
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CAGR (annualized)
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Benchmark comparison
| Investment | Avg annual return | $10,000 after 10 years |
|---|---|---|
| S&P 500 (historical avg) | ~10% | ~$25,937 |
| High-yield savings account | ~4.5% | ~$15,530 |
| US Treasury bonds (10-yr) | ~4.2% | ~$15,100 |
| Real estate (appreciation only) | ~3–4% | ~$13,440 |
| Inflation (purchasing power) | ~3.5% | ~$14,107 |
Frequently asked questions
What is ROI vs. CAGR? ›
ROI (Return on Investment) is the total percentage gain or loss over the entire investment period: (Final Value − Initial Value) / Initial Value × 100. CAGR (Compound Annual Growth Rate) is the annualized return that accounts for compounding over multiple years. CAGR is more useful for comparing investments held for different lengths of time.
What is a good annual return on investment? ›
The S&P 500 has historically returned about 10% annually before inflation (about 7% after inflation). Returns above this are excellent; below this but above inflation (~3.5%) represents real wealth growth. Fixed income (bonds, savings accounts) typically returns 3–5%. Real estate averages 3–4% in price appreciation, plus rental income.
How do I calculate my investment return? ›
Simple ROI: divide your gain (final value minus initial investment) by the initial investment, then multiply by 100. For annualized returns (CAGR), use: CAGR = (Final Value / Initial Value)^(1/years) - 1. For example, $10,000 growing to $18,000 over 5 years: CAGR = (18,000/10,000)^(1/5) - 1 = 12.5%.
What is the impact of fees on investment returns? ›
Investment fees (expense ratios, advisory fees, transaction costs) compound over time and significantly erode returns. A 1% annual fee on a $100,000 investment over 30 years at 7% returns costs approximately $96,000 in lost growth — nearly equal to the initial investment. Always compare net-of-fee returns.
About this investment return calculator
Our investment return calculator computes your total ROI and annualized CAGR from any investment. Whether you are evaluating stocks, real estate, a business investment, or savings account returns, these metrics help you understand your true investment performance and compare it to benchmarks.