Annual Rate of Return Calculator
How much will your deposits earn each year?
Estimate the amount with this calculator and plan for your future.
Use this calculator to determine the annual return of a known initial amount, a stream of deposits, plus a known final future value.
Financial Calculators from
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Internal Rate of Return (IRR) Inputs: |
Calculation results: |
Future Values of Deposits |
Definitions
Initial deposit amount
Amount of your initial deposit, or account balance, as of the present value date.
Future value
Total future value of the stream of payments, plus the future value of any initial deposit amount. This includes the compounding of interest at the calculated rate on an annual basis.
Start date
Date to calculate the present value. The tool assumes that this is also the date of the first periodic payment if deposits are made at the beginning of a period.
End date
Date your investment or account will be worth the entered future value.
Periodic deposit (withdrawal)
The amount that you plan on adding to this savings or investment each period.
Deposit frequency
The frequency of your periodic deposits. Periods options include weekly, bi-weekly, monthly, quarterly and semi-annually and annually. You can choose to make deposits at the beginning or the end of each period.
Deposits at beginning
Check here to make all future periodic deposits or withdrawals at the beginning of each period. Uncheck this box for the end of the period.
Calculated rate of return
The calculated rate of return for this investment or account. The actual rate of return is largely dependent on the types of investments you select. The Standard & Poor's 500® (S&P 500®) for the 10 years ending December 31st 2024, had an annual compounded rate of return of 14.9%, including reinvestment of dividends. From January 1, 1970 to December 31st 2024, the average annual compounded rate of return for the S&P 500®, including reinvestment of dividends, was approximately 11.2% (source: www.spglobal.com). Since 1970, the highest 12-month return was 61% (June 1982 through June 1983). The lowest 12-month return was -43% (March 2008 to March 2009). Savings accounts at a financial institution pay less but carry significantly lower risk of loss of principal balances.
It is important to remember that these scenarios are hypothetical and that future rates of return can't be predicted with certainty and that investments that pay higher rates of return are generally subject to higher risk and volatility. The actual rate of return on investments can vary widely over time, especially for long-term investments. This includes the potential loss of principal on your investment. It is not possible to invest directly in an index and the compounded rate of return noted above does not reflect sales charges and other fees that investment funds and/or investment companies may charge.
Important note about these calculators: These calculators are provided by a third party service provider. The figures entered on the input page of these calculators are for hypothetical purposes only. You should enter figures that are appropriate to your individual situation. The results provided by these calculators are intended for illustrative purposes only and accuracy is not guaranteed. BancFirst and its affiliates are not tax or legal advisers. BANCFIRST DISCLAIMS ALL WARRANTIES INCLUDING, WITHOUT LIMITATION, ANY EXPRESS OR IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. These calculators are not intended to offer any tax, legal, financial or investment advice and do not assure the availability of or your eligibility for any specific product offered by BancFirst, its affiliates or any other institution, nor do these calculators predict or guarantee the actual results of any investment product. The terms and conditions of products offered by BancFirst will differ and may affect the results of the calculators. Please consult with qualified professionals to discuss your situation.