Investment Planning Tool

Rate of Return & ROI Calculator

Measure your investment gain or loss, estimate your annualized return, compare it with inflation and a benchmark, and explore possible future scenarios.

Enter Your Investment Details

Enter your starting value, ending value, investment period, contribution pattern, inflation assumption, and comparison benchmark.

Initial investment

$

Enter the amount originally invested.

Ongoing contribution frequency No additional contributions Annual contributions Monthly contributions

Annual contribution

$

Enter the amount added at the end of each year.

Current or ending value

$

Enter the current market value or final withdrawal value.

Investment period

years

Average inflation assumption

%

Used to estimate your inflation-adjusted real return.

Comparison benchmark

%

Enter an appropriate comparison rate for the same period and risk level.

Calculate My Return → Reset Print / Save Results

Your investment results

Performance Snapshot

Positive return

Estimated annualized return

5.58%

Estimated money-weighted annual return based on the values, timing, and contributions entered.

What this result means:The annualized return estimates the average yearly rate required to produce the ending value after considering contribution timing. It differs from simple overall ROI, which does not fully reflect when contributions were made.

Total invested

$60,000

Investment gain

$18,000

Overall ROI

30.00%

Growth multiple

1.30×

Nominal return

5.58%

Estimated real return

3.00%

Versus benchmark

-0.42%

Investment Health Indicator

On Track

★★★★☆

Your return is currently above the inflation assumption entered. Review whether the result remains appropriate for your risk level, goals, fees, and time horizon.

Ending value composition$78,000

Contributions Investment growth

Your ending value is higher than the total amount invested, resulting in a positive overall investment return.

Explore a Future “What-If” Scenario

Use your current ending value as the starting point and see how a different contribution, time period, and target return could affect future growth.

Future annual contribution

$

Additional investment period

years

Target annual return

%

Projected future value

$192,000

Based on the current ending balance, annual contributions, the additional period entered, and the target annual return.

Would You Like a Professional Review of These Results?

A complete review can help assess whether your return, risk level, account structure, fees, tax efficiency, diversification, and investment strategy remain aligned with your financial goals.

Schedule My Investment Strategy Review →

This calculator is provided for general educational and illustrative purposes only. Results are estimates and do not represent investment, tax, legal, or accounting advice. Contributions are assumed to occur at the end of each selected period. Benchmarks should reflect a comparable time period, asset mix, and risk level. Actual investment performance may differ.

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