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.

投資リターン計算ツール

投資収益・利益・年率リターンを計算します。

初期投資額

最終価値

投資期間

年

総リターン（ROI）

50.00%

損益$5,000.00

年率化リターン（CAGR）8.45%

最終残高$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

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株式・不動産・事業投資を問わず、このツールで実際のリターンを把握できます。総リターンと年率換算リターンの両方を確認し、公平な比較が可能です。

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よくある質問

CAGRとは何ですか？

複合年間成長率（CAGR）は、一定の成長率を仮定した場合の年率換算リターンです。保有期間の異なる投資を比較する際に最適な指標です。

良いROIとはどのくらいですか？

S&P 500は歴史的に年平均約10%のリターンを達成しています。個人投資では年率7〜15%が概ね良好とされています。

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