Calculate total gain, annualized return (CAGR), dividend income, and after-tax return on any investment. Essential for portfolio analysis.
Optional: average annual dividend received
Optional: your applicable capital gains tax rate
Enter values above to see results
CAGR = (Current / Initial)^(1/years) − 1 | After-Tax = Total Gain − Capital Gains TaxTotal GainCurrent Value − Initial Investment + Total DividendsCAGRCompound Annual Growth Rate: (Current/Initial)^(1/years) − 1After-Tax ReturnTotal Gain minus tax on capital appreciationTotal gain includes both price appreciation and dividend income. CAGR (Compound Annual Growth Rate) normalizes the total return to an annual rate, enabling fair comparison between investments held for different periods. After-tax return applies capital gains tax only to the price appreciation component, not dividends (which are typically taxed separately as income).
Evaluating investment performance accurately requires looking beyond simple percentage gains. This investment return calculator provides a complete analysis: total gain including dividends, annualized CAGR for fair comparisons, and after-tax returns for a realistic picture of what you actually keep. Whether analyzing stocks, real estate, or any other investment, this tool gives you the full picture.
Enter your initial investment amount, current value, holding period in years, optional annual dividend income, and your capital gains tax rate. The calculator computes total gain, total return percentage, annualized CAGR, total dividends received, and both pre-tax and after-tax returns.
A stock holding with both price appreciation and dividend income; 15% capital-gains tax.
95% total return, about 12.5% annualised; roughly $8,300 after capital-gains tax.
Dividends are usually taxed as income, separately from the capital-gains tax on price appreciation.
This calculator bridges the gap between gross investment performance and what you actually keep after taxes. It is particularly valuable for comparing investments of different types (dividend-paying vs. growth), different durations, and for understanding the true after-tax cost of realizing gains.
The most common mistake is ignoring dividends when calculating returns — especially for long-held stocks, dividends can represent 30-50% of total returns. Also, many investors forget to account for taxes when projecting wealth, leading to budgeting errors when they eventually sell. Always model both pre-tax and after-tax scenarios.
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