📈 InvestingROI & CAGR

Investment Calculator

Calculate your investment return, future value, ROI percentage and compound annual growth rate (CAGR). Add regular monthly contributions to see the full power of compound growth.

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ROI Calculator (optional)

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Final Portfolio Value
CAGR: 8%
💵 Total Invested
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📈 Investment Gain
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🔢 Total Return
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📊 CAGR
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💲 Real Value (inflation-adj.)
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⏱️ Doubling Time
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Growth: Contributions vs Investment Returns

Return Rate Comparison

Annual ReturnFinal ValueTotal Gain

Investment Return Formulas

Future Value (lump sum):

FV = PV x (1 + r/n)^(n x t)

Future Value with recurring contributions:

FV = PMT x [(1 + r/n)^(n x t) - 1] / (r/n)

CAGR (Compound Annual Growth Rate):

CAGR = (FV / PV)^(1/t) - 1

Rule of 72: Divide 72 by the annual return percentage to estimate the number of years to double your investment. At 8% return, money doubles roughly every 9 years.

Historical Asset Class Returns (approximate, before inflation)

Asset ClassAvg Annual ReturnNotes
US Large Cap Stocks (S&P 500)~10%Long-run historical average since 1926
US Small Cap Stocks~12%Higher risk and volatility
International Developed Stocks~7-8%Europe, Japan, Australia
Emerging Market Stocks~9%Higher risk, higher potential
US Bonds (10yr Treasury)~4-5%Lower risk, lower return
Real Estate (REITs)~8-9%Includes dividend income
Cash / Savings Account~3-5%High-yield savings, no market risk
Disclaimer: Past returns do not guarantee future results. All investments carry risk. This calculator is for educational purposes only and does not constitute financial advice.
Compound
Compound Interest
 Retirement
Retirement
 Rental
Rental Property
 Inflation
Inflation