📈 Average Return Calculator

Calculate average investment returns and CAGR

Investment Returns

Calculation Method:

Initial Investment ($ / ₹):

Final Value ($ / ₹):

Time Period (Years):

Total ROI: (Final Value - Initial Investment) / Initial Investment × 100%

CAGR: Compound Annual Growth Rate = [(Final/Initial)^(1/Years) - 1] × 100%

Arithmetic Mean: Simple average of periodic returns. Example: (10% + 20% + 5%) / 3 = 11.67%

Geometric Mean: Accounts for compounding. More accurate for investment returns over time.

Why Different? Arithmetic mean is always higher than geometric mean when returns vary. Geometric mean better represents actual growth.

Example: $10,000 growing to $18,000 in 5 years has CAGR = 12.47% per year

🧭 Guided Journeys

These grouped paths are designed to help you continue with the most common follow-up calculations in this category.

Estimate affordability, compare financing, and see how extra payments change the long-term cost of ownership.

Map monthly payments, credit-card payoff speed, and debt ratios before taking on or refinancing debt.

Model contributions, employer matching, withdrawals, and long-term savings growth across your retirement timeline.