Calculate investment gain, total return and annualized return from a beginning value, ending value and holding period.
Total ROI, annualized return, CAGR and investment-performance comparisons.
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An investment rising from $10,000 to $13,000 while paying $500 over three years has a 35% total return before annualizing.
Calculate investment gain, total return and annualized return from a beginning value, ending value and holding period. The result is intended for quick estimates, checking arithmetic and comparing scenarios. When a result affects a contract, tax filing, medical decision, building-code requirement or other high-stakes situation, verify the result with the appropriate professional or authoritative source.
If an investment starts at $10,000, ends at $12,800, and pays $400 in cash distributions, total gain is $3,200, or 32%. The annualized return is approximately √1.32 − 1 = 14.89% over two years.
What to check: This simplified return treats distributions as part of gain and assumes no intervening deposits/withdrawals. Multiple cash flows require a time-weighted return or an IRR/XIRR analysis; fees and taxes matter.
Compare with the Cagr calculator when that better matches the question you are trying to answer.
Calculate investment gain, total return and annualized return from a beginning value, ending value and holding period.
Total return = (ending value − beginning value + cash distributions) ÷ beginning value. Annualized return compounds that result across the holding period.
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