Investment Return Calculator

Calculate the return on your investments. See how initial investment, annual contributions, and compound returns grow your portfolio over time.

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$0$1,000,000
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$0$100,000
%
0%25%
yr
1 yr50 yr

Investment Results

Final Portfolio Value$781,059.4
Total Invested$200,000
Total Investment Gains$581,059.4
Return on Investment290.5%

Portfolio Growth

What this means

  • • Return assumptions should stay conservative and realistic.
  • • Diversification and costs shape long-term outcomes.
Project retirement readiness

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Most visitors get better outcomes by comparing at least two scenarios.

Compound Interest

See long-horizon compounding effects.

Retirement

Project if portfolio supports income goals.

Savings Goal

Fund short-term goals without selling assets.

Return Planning, Not Guessing

Treat return assumptions as planning inputs, not promises. The goal is robust decisions under realistic ranges.

Reference Ranges

US large-cap stocks ~10%
International equities ~8%
US bonds ~5%
REITs ~9%

Improve Outcomes

Diversify exposures

Avoid concentration risk in one bucket.

Control costs

Fees compound against you over time.

Stay consistent

Regular investing reduces timing pressure.

Use tax-advantaged accounts

Improves net long-term compounding.

Frequently Asked Questions

What is a good annual return on investments?
Historically, stocks have delivered higher long-term returns than bonds, but with more volatility. Use realistic, long-term assumptions in planning.
How does dollar-cost averaging work?
Dollar-cost averaging means investing a fixed amount on a schedule. It reduces timing pressure and smooths entry over time.
Should I reinvest dividends?
Usually yes—reinvesting dividends increases compounding and can materially improve long-term results.
How does inflation affect investment returns?
Inflation reduces purchasing power. Focus on real return (nominal return minus inflation) for long-term goals.

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