Investment Return (CAGR) Calculator
See what you really earned from an investment — after dividends, fees, and inflation are factored in.
Result
Total amount paid in, including later purchases.
What it's worth now, or what you sold it for.
When you bought it. Dates don't change the profit — only the annual return.
When you sold it, or today's date. Determines how many years you held it.
Net Profit
9.280 €
- Total Return
- +92,80 %
- CAGR (Annual Return)
- +11,56 %
- Real CAGR
- +9,37 %
- Dividends
- 900 €
- Fees
- 120 €
- Years Held
- 6
How it's calculated
Total return measures what you earned over everything you paid. Dividends are added to the ending value and fees are subtracted before anything else — a figure that leaves them out overstates the return.
CAGR is the constant annual rate that would have produced the same result. It isn't the average of yearly returns, which always comes out higher and is often used incorrectly.
The real return strips out inflation. If an investment has grown 40% over six years while prices have risen 20%, purchasing power hasn't grown by 40%.
Example
€10,000 invested in January 2020, worth €18,500 today, with €900 in dividends and €120 in fees: net profit is €9,280, total return 92.8%, and CAGR around 11.4% per year.