Compound Annual Growth Rate (CAGR) is the annualized return of an investment, assuming it grew at a constant rate each year. It's the best way to compare investments held for different time periods.

The S&P 500 has averaged ~10% annual return historically. For individual investments, 7-15% annually is generally considered strong. Real estate typically returns 8-12% including appreciation and rent.

How is ROI different from CAGR?

ROI (Return on Investment) is the total percentage gain over the entire period. CAGR expresses the same return as a per-year rate. For example, $10,000 growing to $15,000 in 5 years is 50% ROI but only 8.45% CAGR. Always use CAGR when comparing investments held for different lengths of time.

What is a realistic long-term investment return?

The US stock market (S&P 500) has returned roughly 10% per year nominally, or about 7% after inflation, since the 1920s. But returns vary wildly year to year: −38% in 2008, +32% in 2013. The long-run average is only achieved by staying invested through downturns. A diversified global portfolio typically targets 6–8% real returns over a 20+ year horizon.

What is dollar-cost averaging?

Dollar-cost averaging (DCA) means investing a fixed amount on a regular schedule — say $200 every month — regardless of market conditions. When prices fall, you buy more shares; when they rise, fewer. Over time this averages your cost per share and removes the stress of trying to time the market. It's the default strategy for most long-term investors.

Calculateur de Rendement d'Investissement

Calculez votre rendement, profit et taux de croissance annualisé.

Investissement Initial

Valeur Finale

Durée d'Investissement

ans

Rendement Total (ROI)

50.00%

Profit / Perte$5,000.00

Rendement Annualisé (CAGR)8.45%

Solde Final$15,000.00

Initial Investment

Growth

$10,000.00 grew to $15,000.00 in 5 years — a 50.00% total return, or 8.45% per year (CAGR).

A 1% annual fee compounds against you — over 30 years it can consume 25% of your ending balance.

Try next

Compound Interest Calculator

Model steady monthly contributions on top of your investment

ℹ️

À propos de cette Calculatrice

Que vous évaluiez un investissement boursier, immobilier ou entrepreneurial, ce calculateur vous aide à comprendre votre rendement réel, total et annualisé pour une comparaison équitable.

❓

Questions Fréquentes

Qu'est-ce que le CAGR ?

Le Taux de Croissance Annuel Composé (CAGR) est le rendement annualisé d'un investissement en supposant une croissance constante. C'est la meilleure façon de comparer des placements sur des durées différentes.

Quel est un bon ROI ?

Le CAC 40 et le S&P 500 ont rapporté environ 8 à 10 % annuellement sur le long terme. Pour des investissements individuels, 7 à 15 % par an est généralement considéré comme solide.

📖

Articles connexes

Savings

How to Calculate Your Investment Return (ROI, CAGR, and What They Actually Mean)

6 min read Investing

Average Index Fund Returns: What 100 Years of Data Actually Shows

7 min read

Vous pourriez aussi avoir besoin de...

Calculateur d'Intérêts Composés

Calculateur d'Épargne Retraite

For informational purposes only. Calculator results are estimates based on the inputs you provide. This is not financial, investment, tax, or legal advice. Consult a qualified financial professional before making major financial decisions.