Investment Return Calculator
Calculate your investment growth with inflation-adjusted returns.
Final Value
$338,365
Total Invested
$140,000
Total Gain
$198,365
13.6% annualized
Inflation-Adjusted Value
$217,184
In today's dollars at 3% inflation
| Year | Invested | Gain | Value | Real Value |
|---|---|---|---|---|
| Year 1 | $56,000 | $4,375 | $60,375 | $58,616 |
| Year 2 | $62,000 | $9,611 | $71,611 | $67,500 |
| Year 3 | $68,000 | $15,780 | $83,780 | $76,670 |
| Year 4 | $74,000 | $22,958 | $96,958 | $86,146 |
| Year 5 | $80,000 | $31,231 | $111,231 | $95,949 |
| Year 6 | $86,000 | $40,688 | $126,688 | $106,099 |
| Year 7 | $92,000 | $51,428 | $143,428 | $116,620 |
| Year 8 | $98,000 | $63,557 | $161,557 | $127,535 |
| Year 9 | $104,000 | $77,191 | $181,191 | $138,868 |
| Year 10 | $110,000 | $92,455 | $202,455 | $150,646 |
| Year 11 | $116,000 | $109,484 | $225,484 | $162,894 |
| Year 12 | $122,000 | $128,424 | $250,424 | $175,642 |
| Year 13 | $128,000 | $149,434 | $277,434 | $188,919 |
| Year 14 | $134,000 | $172,685 | $306,685 | $202,755 |
| Year 15 | $140,000 | $198,365 | $338,365 | $217,184 |
Frequently Asked Questions
What is a good annual return on investment?
The S&P 500 has historically returned about 10% annually before inflation (7% after inflation). A good return depends on your risk tolerance and investment type. Bonds typically return 4-6%, while stocks can return 8-12% long-term.
What is the difference between nominal and real returns?
Nominal returns are your total investment gains before accounting for inflation. Real returns subtract inflation, showing your actual purchasing power growth. A 10% nominal return with 3% inflation gives roughly 7% real return.
How does dollar-cost averaging work?
Dollar-cost averaging means investing a fixed amount regularly regardless of market conditions. When prices are low, you buy more shares; when high, fewer shares. This reduces the impact of market volatility and removes emotion from investing.
What is annualized return?
Annualized return is the geometric average return per year over a period. It accounts for compounding and gives a more accurate picture than simple average returns. A 100% gain followed by a 50% loss isn't 25% average — the annualized return is 0%.
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