Investment Return Calculator
Calculate total return and profit on an investment, including any income received along the way.
Last updated · View algorithm, constants and default inputs (JSON)
About this calculator
Total return adds cash income to the ending value. The annualized result treats that income as if received at the end of the period; it is a simplified comparison, not a time-weighted or money-weighted return.
Worked example
calculated with the default values below
Initial investment 10,000 $ · Final value 15,000 $ · Income received 500 $ · Holding period 3 years Total profit 5,500.00 $ · Total return 55.00 % · Annualized return 15.73 %
General background references
Disclaimer
These calculators give estimates for general information only. They are not financial, tax or investment advice and do not take your personal circumstances into account. Before borrowing, investing or filing, confirm the numbers with a qualified adviser in your jurisdiction.
Implementation source
This record describes the implementation used by this page. It is not independent validation. External references, when available, support only the stated formula or definition; estimates and custom rules retain their own assumptions.
Formula and variables
R = ((V_f + I) ÷ V_0)^(1 ÷ t) − 1
- R
- Annualised return
- V_f
- Final value
- I
- Income/dividends
- V_0
- Initial value
- t
- Years
Annualized equivalent treats cash income as if received at the end of the period; interim payment timing is not modeled.
Frequently asked questions
How is annualized return estimated when income is entered?
The calculator adds the cash income to the ending value and treats the combined amount as if received at the end. If dividends or interest were paid earlier, this is not a precise time-weighted or money-weighted return.