Return Calculator
Calculate the required annual return based on initial capital, monthly contribution, investment period and desired final value.
Calculate now
FAQ about Return Calculator
What is the difference between nominal and effective annual return?
Nominal annual return is the simple monthly return multiplied by twelve. Effective annual return includes compounding within the year and is therefore usually slightly higher.
Can the calculator also show negative returns?
Yes. If the target amount is below total contributions, the implied average return can be negative.
Are taxes and fees included?
No. The calculator intentionally keeps the model simple. Account fees, fund costs, taxes or inflation are not included automatically and should be considered separately.
Is the calculated return guaranteed to be achievable?
No. The result is only a mathematical target value. Whether that return is realistic depends on market performance, risk, fees, taxes and the specific investment product.
What happens if I extend the investment period?
A longer time horizon often lowers the required return because your capital and monthly contributions benefit from compounding for more time.
When is another calculator more suitable?
If you already want to calculate with a fixed assumed return, a compound interest or savings calculator is often the better fit. This return calculator is most useful when you first want to find the required target return.