Average Return Calculator
Enter starting balance, ending balance, and dated deposits or withdrawals. The calculator solves for the average annual return that connects your cash flows...
Enter values and click Calculate.
Schedule
Introduction
Enter starting balance, ending balance, and dated deposits or withdrawals. The calculator solves for the average annual return that connects your cash flows to the ending value—similar to XIRR for a single account.
Money-Weighted Average Return
Enter starting balance, ending balance, and dated deposits or withdrawals. The calculator solves for the average annual return that connects your cash flows to the ending value—similar to XIRR for a single account.
Why Timing Matters
Adding money just before a rally inflates your personal return versus a buy-and-hold benchmark. Money-weighted return reflects your experience, including contribution timing.
Multiple Periods Mode
Enter several investment windows with total return percentages and holding lengths. We compute geometric average annual return and cumulative return across periods—useful when reviewing fund performance by calendar year.
Average vs IRR
For a single account with irregular flows, results align closely with IRR. For project finance with multiple sign changes, use the dedicated IRR Calculator.
Related Tools
ROI Calculator, Investment Calculator, Mutual Fund Calculator.
How It Works
- Enter your amounts, rates, and term in the form. Use the same units shown in the labels (dollars, years, percent).
- Click Calculate to run the Average Return Calculator engine. Invalid or empty required fields show a clear error message.
- Review the summary cards for the key outputs. Expand schedules or tables when available for period-by-period detail.
- Copy, print, or share your scenario link. Reset the form anytime to start a fresh comparison.