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.

Calculadora de Retorno sobre Investimento

Calcule seu retorno, lucro e taxa de crescimento anualizada.

Investimento Inicial

Valor Final

Período de Investimento

anos

Retorno Total (ROI)

50.00%

Lucro / Prejuízo$5,000.00

Retorno Anualizado (CAGR)8.45%

Saldo 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.

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Compound Interest Calculator

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Sobre esta Calculadora

Seja avaliando ações, imóveis ou um negócio, esta calculadora ajuda a entender seu retorno real, tanto total quanto anualizado para uma comparação justa.

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Perguntas Frequentes

O que é CAGR?

A Taxa de Crescimento Anual Composta (CAGR) é o retorno anualizado de um investimento assumindo crescimento constante. É a melhor forma de comparar investimentos com prazos diferentes.

O que é um bom ROI?

O S&P 500 teve média de ~10% ao ano historicamente. O Ibovespa tem variado mais. Para investimentos individuais, 7-15% ao ano é geralmente considerado sólido.

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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.