Rate of Return Calculator 2026
Calculate your investment's compound annual growth rate (CAGR). Enter your starting value, ending value, and holding period to see your annualized return.
$
$
9.60%
Annual Rate of Return (CAGR)
$10,000 → $25,000 over 10 years
$15,000
Total Gain
150%
Total Return
7.5 yrs
Doubles Every
Initial Investment$10,000
Final Value$25,000
Time Period10 years
Rule of 72 (doubles in)7.5 years
CAGR9.60%
Historical Rate of Return Benchmarks
Knowing your CAGR is only useful if you have a benchmark. Here are historical average annualized returns (approximate, before taxes):
- S&P 500: ~10.5% (1926–2024), ~7.5% inflation-adjusted
- US Total Stock Market: ~10% annually long-term
- 60/40 Portfolio: ~8% annually
- 10-Year Treasury Bond: ~4-5% current yield
- High-Yield Savings: 4-5% (2024-2026)
- US Real Estate: ~4-6% annually (price appreciation only)
The Power of Compounding
At 10% CAGR, $10,000 becomes: $25,937 in 10 years, $67,275 in 20 years, $174,494 in 30 years. The last 10 years generate more than the first 20 combined — which is why starting early matters far more than the amount.