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Investment Return Calculator

Estimate your real investment return (CAGR) based on what you invested and what it’s worth today. Enter your starting balance, optional monthly contributions, how long you invested, and your current value.

This tool estimates an annualized return (CAGR). With monthly contributions, the result uses an approximate internal rate of return based on equal monthly deposits.

How this investment return calculator works

This tool estimates your annualized return — often called CAGR (compound annual growth rate). It shows what constant yearly growth rate would turn your starting amount plus contributions into your current value.

  • Starting amount: what you originally invested
  • Monthly contribution: optional, treated as equal deposits each month
  • Years invested: total time your money has been invested
  • Current value: what your investment is worth today

If you enter no monthly contributions, the calculator uses the standard CAGR formula. If you add contributions, it numerically estimates an internal rate of return based on equal monthly deposits.

Use this tool to compare your performance with benchmarks such as the average stock market return, or to see how changes in contributions affect your long-term growth.

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