Calculate your investment’s total return, annualized return, profit, and ending gain percentage based on starting value, ending value, additional contributions, withdrawals, and time held.
Enter your values and click Calculate to estimate your rate of return.
This rate of return calculator measures how much an investment or asset changed in value over time. It compares your starting value to your ending value while also accounting for additional contributions and withdrawals.
The calculator shows total return, annualized return, profit or gain, and an inflation-adjusted annual return estimate. This helps you compare performance across different investments and time periods.
A simplified total return formula is:
Total Return = (Profit / Net Invested Amount) × 100
Where:
Annualized return is estimated using:
Annualized Return = [(Ending Economic Value / Total Invested Basis)1 / Years - 1] × 100
This is a simplified planning method and does not calculate precise money-weighted return timing.
Annualized return can help compare investments held for different lengths of time on a more equal basis.
Contributions and withdrawals can affect your return picture, so include them whenever possible for a more realistic result.
This calculator gives a useful estimate, but highly precise performance analysis may require exact cash-flow timing and a money-weighted return method.
Inflation reduces purchasing power, so an inflation-adjusted return can give a more realistic sense of performance.
Rate of return is the percentage gain or loss on an investment over a given period of time.
Total return measures the overall gain across the full period, while annualized return estimates the average yearly growth rate.
No. This version uses a simplified method for general planning. It does not calculate an exact internal rate of return or money-weighted return.
Yes. This calculator can be used for many types of investments or assets as long as you can estimate the starting value, ending value, and cash flows.