ROI is total percentage gain or loss. CAGR answers “what constant yearly rate would get me here?” over N years.

Where do dividends and fees go?

Fold recurring cash flows into your final value or use a spreadsheet for precise IRR.

Is CAGR a promise of future returns?

No—it describes the past interval you entered.

Annualizing very short periods can exaggerate; label the window clearly.

ROI on equity differs from property price change; this tool uses the numbers you supply.

Calculations stay on your device.

Compute simple ROI and estimated annualized return (CAGR).

Initial ($)Contributions ($)Final Value ($)Years

Total Invested

ROI

Estimated CAGR

CAGR assumes contributions at start; actual returns may differ.

Informational only; verify critical results independently.

Enter starting value (cost basis) and ending value after the period you care about.
Include contributions or withdrawals in the way the tool expects (lump sum vs periodic).
Enter the time horizon in years for CAGR-style annualization.
Read total return (ROI) and, if shown, CAGR as a smoothed yearly rate.
Compare scenarios with the same horizon but different final values.
Remember taxes, inflation, and fees are usually outside the raw formula.

ROI vs CAGR?: ROI is total percentage gain or loss. CAGR answers “what constant yearly rate would get me here?” over N years.
Where do dividends and fees go?: Fold recurring cash flows into your final value or use a spreadsheet for precise IRR.
Is CAGR a promise of future returns?: No—it describes the past interval you entered.
Less than one year?: Annualizing very short periods can exaggerate; label the window clearly.
Leverage and mortgages?: ROI on equity differs from property price change; this tool uses the numbers you supply.
Privacy?: Calculations stay on your device.

Last updated: 2025-09-15