ROI Calculator
Estimate total return on investment (ROI) and an annualized return (CAGR) for a lump sum plus optional monthly contributions.
Your investment
An assumption you choose, not a guaranteed return. Try different values to see how they affect ROI and CAGR.
Total ROI
131.42%
Estimated CAGR
4.28%
Estimated future value of $300,851 over 20 years. This is a projection based on your assumed return, not a guarantee.
Total contributions
$130,000
Estimated investment growth
$170,851
Estimated future value
$300,851
Cumulative ROI over time
Portfolio value vs. contributions
Year-by-year breakdown
| Year | Starting balance | Contributions | Investment growth | Ending balance |
|---|---|---|---|---|
| 1 | $0 | $16,000 | $919 | $16,919 |
| 2 | $16,919 | $6,000 | $1,419 | $24,339 |
| 3 | $24,339 | $6,000 | $1,956 | $32,294 |
| 4 | $32,294 | $6,000 | $2,531 | $40,825 |
| 5 | $40,825 | $6,000 | $3,148 | $49,973 |
| 10 | $93,671 | $6,000 | $6,968 | $106,639 |
| 15 | $168,587 | $6,000 | $12,383 | $186,971 |
| 20 | $274,790 | $6,000 | $20,061 | $300,851 |
Total ROI vs. CAGR
This calculator reports two related but different figures. Total ROI is the cumulative percentage gain across your entire investment — every dollar contributed, over the full time period, all at once. CAGR is an approximate annualized rate — the smoothed yearly growth rate that would connect your starting position to your ending value.
For a plain-English walkthrough of how compounding drives both figures, see how compound interest works.
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Frequently asked questions
This is an educational calculator, not financial advice.
Results shown are estimated future values based on the return assumption you enter — they are not predictions and VOO is not guaranteed to achieve any particular return. Past performance of the S&P 500 or any fund does not guarantee future results. Consider speaking with a licensed financial professional before making investment decisions.