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Investment Return Calculator

Calculate how your money grows over time. See total returns, CAGR, ROI, year-by-year breakdown, and interactive growth charts. Compare strategies side by side.

CAGR & ROI Growth Charts Compare Scenarios PDF Report 14 Currencies
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Investment Details NGN
₦
₦
% / year
Final Investment Value
0
After 10 years of compounding
0
Total Invested
0
Total Interest
0%
ROI
0%
CAGR
0 yrs
Doubling Time
YearDepositsInterestBalance

The Investment Return Calculator projects how your money grows over time using compound interest, factoring in initial capital, regular contributions, expected annual returns, and investment duration. It generates clear charts showing your total balance, principal versus earnings, and year-by-year growth. The tool helps you compare different scenarios like varying contribution amounts or return rates so you can plan effectively for retirement, education funds, or wealth building goals. Whether you are investing in stocks, mutual funds, treasury bills, or fixed deposits, this calculator gives you a realistic picture of long-term compounding and helps you set achievable financial targets.

FAQ

Frequently Asked Questions

What is CAGR and why does it matter?
CAGR (Compound Annual Growth Rate) shows the mean annual growth rate over a period. It smooths volatility to show the constant rate your investment would have grown at. Use CAGR to compare investments of different durations fairly.
How is ROI different from CAGR?
ROI shows total return as a percentage regardless of time. CAGR normalises it per year. A 100% ROI over 10 years is ~7.2% CAGR, while 100% over 3 years is ~26% CAGR. CAGR is better for comparing investments.
Lump sum vs monthly investing?
Lump sum outperforms in rising markets because your full capital compounds from day one. Monthly investing (Naira/Rand cost averaging) reduces timing risk and suits salary earners who invest from monthly income.
How does inflation affect my returns?
Inflation erodes purchasing power. A 15% return with 10% inflation gives only ~5% real return. In high-inflation African economies (Nigeria 25%+, Ghana 20%+), always calculate inflation-adjusted returns using this calculator's inflation toggle.
What are the best investment options in Africa?
Nigeria: T-Bills (18-22%), money market funds (12-18%). Kenya: T-Bills (14-18%). South Africa: unit trusts (8-14%), stocks (10-15%). Ghana: fixed deposits (20-30%). Always diversify across asset classes and consider your risk tolerance.
Are investment returns taxed in Africa?
Most countries tax capital gains and interest. Nigeria: 10% withholding on interest. Kenya: 15%. South Africa: CGT up to 18%. Ghana: 8% on interest. Factor tax into your net return calculations.
What is the Rule of 72?
Divide 72 by your annual return rate to estimate how long it takes your money to double. At 12% return, money doubles in ~6 years. At 18%, ~4 years. At 24%, ~3 years.
How do I compare two investment scenarios?
Use the Compare mode toggle above the calculate button. Enter different parameters for Scenario A and B — different rates, periods, or contribution amounts — to see which strategy produces better returns.
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Investment Return Calculator
Investment Return Calculator
FINANCE
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Calculations
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CAGR & ROI Charts PDF Export AI Advisor Compare 14 Currencies
African Investment Rates 2025▾
Nigeria T-Bills18-22%
Nigeria Money Market12-18%
Kenya T-Bills14-18%
SA Unit Trusts8-14%
Ghana Fixed Deposits20-30%
Stock Market (avg)10-15%
Real Estate (rental)5-10%

Rates are indicative. Always verify with your broker or fund manager. Past performance does not guarantee future returns.

Formulas Used▾
Compound Interest: A = P(1 + r/n)^(nt)
FV of Annuity: FV = PMT x [((1+r/n)^(nt)-1)/(r/n)]
CAGR: (FV/PV)^(1/t) - 1
ROI: (FV - Total) / Total x 100
Rule of 72: 72 / rate = doubling years
Real Return: (1+nominal)/(1+inflation) - 1
Disclaimer: For informational purposes only. Not financial advice. Past returns do not guarantee future performance. Consult a qualified financial advisor before making investment decisions.