Investment return calculator
Calculate total return and compound annual growth from starting and ending values.
Use the selected decimal separator and no thousands separators. Amounts: 0–1e12. Results round to two decimal places; calculations retain full floating-point precision. Years: 1/12–100. Starting value must be greater than zero.
Illustrative calculations, not personal financial advice. Constant user-entered rates; no taxes, fees, market data or guarantees.
Calculated on your device. Financial entries are not uploaded or saved.
Calculation schedule
Table values are rounded for display. CSV contains every row; displayed rounded rows may not sum exactly.
Formula and worked example
Total return = (ending ÷ starting − 1) × 100. CAGR = ((ending ÷ starting)^(1/years) − 1) × 100. From 1000 to 1210 over two years, total return is 21% and annualized return is 10%.
Questions and assumptions
Can I include additional deposits or withdrawals?
No. This two-value calculation assumes no external cash flows during the holding period. Use a cash-flow-aware method for deposits or withdrawals. Include reinvested income in the ending value if you intend it to count. A zero ending value represents a complete loss: total and annualized returns are −100%. A starting value greater than zero is required.