Calculate total ROI and the annualized money-weighted return for an initial investment plus equal annual deposits.
USD inputs · transparent calculation assumptions
Instant updates as inputs change
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USD inputs · transparent calculation assumptions
Total investment ROI50%
Total money invested
$20,000.00
Net gain / loss
$10,000.00
Final portfolio value
$30,000.00
Annualized money-weighted return
5.52%
Inflation-adjusted annualized return
2.45%
Final value in today’s dollars
$22,322.82
Calculation notes
Understand the Investment return calculator
Total ROI = (final value − initial investment − annual deposits × years) / total invested. Solve the annual rate whose initial-value growth and equal end-of-year annuity equal the final portfolio value. The calculation runs locally and keeps cash-flow timing consistent with the stated assumptions.
Formula and logic
How do I calculate annualized investment return with yearly contributions?
Total ROI = (final value − initial investment − annual deposits × years) / total invested. Solve the annual rate whose initial-value growth and equal end-of-year annuity equal the final portfolio value.
Worked example
What total ROI is a $30,000 ending value after $20,000 invested?
A $10,000 initial investment plus $1,000 at each year-end for ten years invests $20,000 in total. A final value of $30,000 is a $10,000 gain and 50% total ROI, not 5% annualized.
How to read the result
Why is total ROI divided by years different from annualized return?
Annualized return accounts for deposit timing; dividing total ROI by years does not.
The real annualized rate removes the entered inflation rate using a ratio, not simple subtraction.
Limits and assumptions
When is annualized return unavailable for end-of-year contributions?
Assumes equal end-of-year deposits and a terminal value after the last deposit, with no withdrawals, fees or taxes. Annualization is unavailable when that terminal value cannot fit this timing model.