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.

Kalkulator Imbal Hasil Investasi

Hitung imbal hasil investasi, keuntungan, dan tingkat pertumbuhan tahunan.

Investasi Awal

Nilai Akhir

Periode Investasi

tahun

Total Imbal Hasil (ROI)

50.00%

Laba / Rugi$5,000.00

Imbal Hasil Tahunan (CAGR)8.45%

Saldo Akhir$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.

Langkah berikutnya

Compound Interest Calculator

Model steady monthly contributions on top of your investment

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Tentang Kalkulator Ini

Baik mengevaluasi investasi saham, properti, atau bisnis, kalkulator ini membantu Anda memahami imbal hasil nyata — baik total maupun tersetahunkan untuk perbandingan yang adil.

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Pertanyaan Umum

Apa itu CAGR?

Tingkat Pertumbuhan Tahunan Majemuk (CAGR) adalah imbal hasil tahunan suatu investasi dengan asumsi pertumbuhan konstan. Ini adalah cara terbaik untuk membandingkan investasi dengan periode berbeda.

Berapa ROI yang bagus?

S&P 500 rata-rata menghasilkan ~10% per tahun secara historis. IHSG bervariasi. Untuk investasi individual, 7-15% per tahun umumnya dianggap solid.

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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.