Investment return calculator
Calculate CAGR for a start and end value, or XIRR for dated contributions and receipts. See the assumptions behind each annualized return.
Inputs
Hypothetical example. Replace these inputs with your own.
Result
Calculation result
Example result
- Annualized return (CAGR)
- 10 %
- Total return
- 21 %
- Net value change
- 210 quote
- Elapsed days
- 730 days
- CAGR assumes no deposits or withdrawals between the two dates. Use XIRR when cashflows occur during the investment.
- The annualized return uses actual elapsed UTC days divided by 365. Enter both values in the same quote currency.
- This calculation does not add taxes, fees, inflation or a forecast of future returns.
Saved scenarios
Save up to 20 new-tool scenarios on this device, separately from the six existing tools. Prices and balances stay out of the URL. DCA, journal and correlation scenarios save settings and a digest, requiring the matching CSV again to calculate.
Saving requires browser storage and Web Locks.
Formula and worked example
CAGR = (ending / starting value)^(365 / actual days) − 1. XIRR solves the dated discounted cash-flow sum equal to zero, using actual days / 365. Only one negative-to-positive aggregate cash-flow sign change is supported.
Hypothetical example: 1,000 growing to 1,210 over 730 days is a 21% total return and 10% CAGR. A contribution of −1,000 followed by a receipt of 1,100 exactly 365 days later gives 10% XIRR. Include an explicit final value as a receipt if the position is still held.
These estimates use bounded decimal arithmetic. They are scenario calculations, not trading instructions or forecasts.
Methodology sources: XIRR actual-day methodology
Related tasks and reading
This website is developed by Zack White and Vincent Hale.