How is CAGR calculated?

CAGR = (Final Value / Initial Investment)^(1 / Years) − 1. It represents the steady annual rate that would produce the same end result.

What is the Rule of 72?

Divide 72 by the annual return rate to estimate how many years it takes to double your investment. At 7% that's roughly 10.3 years.

Are the results inflation-adjusted?

Toggle 'Show real returns' to subtract a 2.5% annual inflation rate, giving you the purchasing-power equivalent of each scenario.

Does this include taxes or fees?

No — results assume tax-free, fee-free growth. Actual returns will differ.

Finance Free No signup

Investment Returns Calculator

Project investment growth with charts, scenarios, and inflation-adjusted returns.

Loading tool…

About this tool

Investment Returns Calculator shows how your money can grow over time with compound interest. Enter your initial investment, monthly contribution, and investment period, then compare three return scenarios side-by-side: conservative (4%), moderate (7%), and aggressive (10%). An SVG line chart plots all three growth curves so you can see the power of compounding at a glance. Toggle inflation-adjusted (real) returns using a 2.5% CPI assumption. The Rule of 72 panel instantly shows how long it takes to double your money at each rate. Results include final value, total invested, total returns, and CAGR.

How to use

1 Enter your initial lump-sum investment.
2 Set a monthly contribution amount (can be 0).
3 Choose your investment horizon in years.
4 Review the three scenario columns and the SVG growth chart.
5 Toggle 'Inflation Adjusted' to see real purchasing-power returns.

Frequently Asked Questions

Related tools

Compound Interest Calculator

Calculate compound interest growth with monthly contributions — see your investment grow over time with a chart.

Loan & Mortgage Calculator

Calculate monthly payment, total interest, and full amortization schedule.

Savings Goal Calculator

Calculate how long it takes to reach your savings goal with compound interest.