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.

投资回报计算器

计算投资回报率、利润及年化增长率。

初始投资

最终价值

投资期限

年

总回报（ROI）

50.00%

盈亏$5,000.00

年化回报（CAGR）8.45%

最终余额$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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关于此计算器

无论评估股票、房产还是商业投资，此计算器帮助您了解实际回报——包括总回报和年化回报，便于公平比较。

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常见问题

什么是CAGR？

复合年均增长率（CAGR）是假设恒定增速下的年化投资回报率。它是比较不同持有期投资的最佳指标。

什么是好的投资回报率？

标普500历史年均回报约10%。对于个人投资，年化7-15%通常被认为是良好表现。

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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.

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