Investment Return Calculator
Measure total investment return and annualized return from beginning value, ending value, cash contributions, withdrawals and holding period.
Calculation breakdown
Total return and annualized return
Total return asks how much investment gain occurred relative to capital invested after adjusting for contributions and withdrawals. Annualized return expresses growth as an approximate yearly rate.
Frequently asked questions
Why adjust for contributions?
Depositing more money increases account value but is not itself investment profit.
Is annualized return the same as average return?
No. Annualized return represents a compounded yearly growth rate.
When should I use IRR or XIRR?
Use a cash-flow-based return measure when deposits and withdrawals occur at different dates and you need precise money-weighted performance.
Results are estimates for informational purposes only. Verify important financial, tax, real-estate or investment decisions with a qualified professional.