Investment Return Calculator
Project your investment portfolio's future value with contributions and compounding returns.
Benchmark Returns
| S&P 500 (avg) | ~10% nominal / ~7% real |
| 60/40 Portfolio | ~7–8% nominal |
| Bonds (US 10yr) | ~4–5% |
| High-yield savings | 4–5% (2024) |
| Cash / savings acct | 1–2% |
FAQs
The S&P 500 has averaged ~10% annually before inflation, or ~7% inflation-adjusted. A diversified portfolio of 60% stocks / 40% bonds has historically returned ~7–8%. Individual results vary significantly.
ROI is the total return over the full period. Annualized return (CAGR) is the geometric average annual return, which accounts for compounding and allows fair comparison across different time periods.