Annual Rate of Return Calculator

Calculate the annual return of an investment including deposits and ending value.

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Investment Details

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Return Analysis

Annual return (all deposits at start)7.2%
Annual return (midpoint deposit estimate)9.3%
Total Return$25,000
Total Return %100.0%
How it works›

Model and assumptions. The first estimate assumes all deposits were invested at the start. The midpoint estimate uses Original Dietz: (ending value − initial value − deposits) / (initial value + deposits / 2), then geometrically annualizes. Actual deposit dates are unknown; these are timing assumptions, not measured time-weighted performance. For dated cash flows use the irregular IRR calculator. A Dietz loss below −100% cannot be annualized. No taxes or fees are added.CFA Institute: GIPS calculation methodologyOpenStax: annuity formulas