Return Calculator: Calculate returns (IRR) from cash flows
Calculate your actual return – including optional costs and taxes (simplified).
The edge that pays for itself.
Return Calculator
Simplified: Costs reduce the annual return.
The calculator determines the internal rate of return (IRR) from your cash flows (start, monthly contributions, final value). Costs are considered as a return deduction. It is not intended for exact tax/cost models.
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Return Calculator: How Well Did Your Investment Really Perform?
Many people calculate returns incorrectly — especially when regular contributions are involved. That's why this calculator computes the internal rate of return (IRR) from your cash flows: initial capital, monthly contributions, and final value.
IRR vs. "Simple Return"
A simple return only compares deposits and final value. The IRR accounts for timing: a dollar invested earlier works longer. That's exactly what matters for savings plans.
Costs & Taxes
Costs (TER/fees) reduce long-term returns. In the calculator, they're modeled as a return deduction. Taxes are complex (partial exemptions, advance flat-rate tax, etc.) — here we use a simplified model: tax on gains at the end.
Frequently asked questions
IRR (Internal Rate of Return) is the return that explains your cash flows (deposits/withdrawals). Ideal for savings plans.
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