Free Investment Return Calculator - Calculate Portfolio Growth
Calculate your investment returns and portfolio growth projections with compound interest and contributions.
Formula & Methodology
This formula combines the compound growth of your starting principal with the future value of an annuity (your regular monthly contributions) to predict total portfolio wealth.
- FV = P(1 + r/n)^(nt) + PMT × [((1 + r/n)^(nt) - 1) / (r/n)]
Worked Example
Using the Investment Return Calculator: apply the formula above to your input values. For instance, FV = P(1 + r/n)^(nt) + PMT × [((1 + r/n)^(nt) - 1) / (r/n)]. The tool performs each step instantly and shows the result.
Frequently Asked Questions
How is investment return calculated?
It compares your ending value against what you invested, expressing the gain as a total and annualized percentage.
What is the difference between total and annualized return?
Total return is the whole-period gain, while annualized return states it as a steady yearly rate for fair comparison.
Should I include contributions?
Yes. Adding regular contributions shows how ongoing investing, not just growth, builds your ending balance.