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Calculators (投资回报计算) here are for evaluating investment return from different aspects.

Your investment (stocks, 401k, or Roth, etc) got an annual return rate after each year-end. For instance, below are annual returns from S&P 500 Index and your 401k or IRA account with ups and downs in 4 years. Would you be able to tell if your account's return beat S&P 500 Index overall in the period of 4 years?
 2016 return2017 return2018 return2019 return
S&P 500 Index11.9321.94-4.4131.10
My 401k or IRA6.0028.80-7.2032.80
This calculator will give you a firm answer, instead of a guess. It allows you to enter up to 20 annual returns, and then calculates the annualized return which is the best indicator to evaluate stock's or fund's performance and return during a long term of serial years. Click on here for more explanation on annualized return.
Annualized return by this calculator can also be used to compare index strategies which are used by Indexed Universal Life (IUL) and Fixed Index Annuity (FIA).

Enter annual return rates exactly in time order and enter reasonable numbers (e.g. a return of -100% means you lost every penny!) to calculate Annualized Return
1: %   2: %   3: %   4: %   5: %  
6: %   7: %   8: %   9: %   10: %  
11: %   12: %   13: %   14: %   15: %  
16: %   17: %   18: %   19: %   20: %  

Next calculator gives the total earning by a compound interest rate or a simple interest rate after a period of years. It can also calculate the annual income for an Annuity if its income payout rate is entered.
Earning Calculator
Principal    (Premium. Must be a positive number)  
Bonus rate (%)    (0% in most cases. Enter 8.5 for 8.5%, for example)  
Interest rate (%)    (Roll-up rate)  
Rate type     
Number of years growth    
Compunding times per year    (optional. Default 1)  
Income payout rate %    (for annuity. Otherwise, just leave 100 in it)  
Total amount   (earned interest is )
  Annual income   (Life-time annual income from an Annuity)

Some annuity companies provide simple interest rate in the description of products. To make comparison easier, below calculator will convert a simple interest to a compound interest:
Simple interest  =   %   during N year(s)
Number of year(s) N  =     
Compound interest%

When knowing your portfolio's final value, you can use below calculator to calculate the return rate. For instance, after you sell a real property, you calculate its annualized return and use it to compare with the result of other investments. You can also use it to get the total cumulative return rate.
Annualized Return Calculator
Initial value =  $
Final value =  $
Number of years held =    
Annualized Return = %
  Cumulative Return = %

If you already know the Cumulative Return over N years, you can use below calculator to get the Annualized Return for your portfolio.
Annualized Return Calculator
Cumulative return  =   %   during N year(s)
Number of year(s) N  =     
Annualized Return%

annual return vs annualized return ("Economics 101")

What is Annualized Return or Compound Annual Growth Rate (CAGR)? and why it is a magic number? Lets still use 4 years' return and enter them to my calculator. The annualized return rates after two calculations are added to the table, concluding S&P 500 Index is the winner, as shown below.

 2016 return2017 return2018 return2019 returnannualized return
S&P 500 Index11.9321.94-4.4131.1014.361%
My 401k or IRA6.0028.80-7.2032.8013.892%

Lets enter same numbers to Excel to verify the result, assuming initial investment is $100. In the first part, 4 different annual return rates are used to get the final value of $168.26. In the second part, 4 return rates are replaced by annualized return rate 13.892%. The final value on the 4th year-end by both calculations is the same, which means 4 return rates of your investment are equivalent to a single rate 13.892% in annually compound growth for 4 years.

Annualized return is one number telling you what is exactly the investment performance during a period of multiple years. If you want to compare the performance of your investment with other investments, you can enter many annual returns from other investments, such as S&P 500 returns, in the same period of years into the calculator to get their annualized return and know who was doing better. Knowing annualized return, you can also easily apply it to "Rule Of 72" to estimate the number of years required to double your money.

- If interested in inflation-adjusted return, please check out "Economics 201".
- If you want to see the math formula for calculating Annualized Return, please read this.
- A good explanation on CAGR but a confusing term "Annualized Returns" (with s at the end).
- A good calculator works out savings with regular monthly deposits or withdrawals  (what it does ?)

美国东部 罗德岛海边。RI,2018
"It’s not how much money you make, but how much
money you keep, how hard it works for you.
 - Robert Kiyosaki
Phoenix Master Financial LLC
4025 W. Chandler Blvd, Suite 3
Chandler, AZ 85226