MetaCap

Stock Return Calculator

Calculate the total return and annualized return (CAGR) of a stock investment, including the dividends you collected along the way.

Total over the whole holding period

Decimals allowed, e.g. 2.5

Annualized return (CAGR)
+11.07%
Over 5 years
Total return
+69.00%
Price return only
+60.00%
Dollar gain
$3,450
On 100 shares
Ending value incl. dividends
$8,450

How to use the stock return calculator

Enter the price you paid per share, the price you sold at (or the current price if you still own it), the total dividends you received per share while you held it, and how many years you owned the stock. Add the number of shares to see the result in dollars. The calculator reports your total return, the return from price changes alone, and the annualized return that makes this investment comparable with any other.

You can find historical prices on any stock's history page and the dividends it paid on its dividends page. For example, the Apple stock price history and Apple dividend history pages provide both inputs for AAPL.

The formulas

Total return       = (P1 + D − P0) ÷ P0
Price return       = (P1 − P0) ÷ P0
Annualized (CAGR)  = (1 + Total return)^(1 ÷ t) − 1
Dollar gain        = (P1 + D − P0) × Shares
P0 = purchase price, P1 = sale or current price, D = dividends received per share, t = years held.

Total return versus price return

Price return only measures how much the share price moved. Total return also counts the cash dividends you received, which is the true measure of what an investment earned you. For dividend-paying companies the difference can be large: over long periods, dividends have accounted for a significant share of the US stock market's total return. This calculator adds dividends as cash without assuming they were reinvested; reinvesting would make the result slightly higher if the stock rose afterward. To model reinvestment, try the dividend calculator.

Why annualized return is the number to compare

A 50% gain sounds impressive, but it means something very different over two years than over fifteen. Annualizing converts any holding period into an equivalent yearly rate. That makes it possible to compare a stock you held for three years with an index fund you held for ten, or with the long-run average of the S&P 500. For holding periods shorter than one year, the annualized figure extrapolates the gain to a full year, which can overstate it, so focus on total return for short trades.

Want to project growth forward instead of measuring the past? Use the compound interest calculator.

Frequently asked questions

How do you calculate the total return on a stock?
Add the ending price and all dividends received, subtract the purchase price, and divide by the purchase price. Buying at $50, selling at $80 and collecting $4.50 in dividends is a total return of ($80 + $4.50 − $50) ÷ $50 = 69%.
What is annualized return?
Annualized return, or compound annual growth rate (CAGR), is the steady yearly rate that would turn your starting value into your ending value over the holding period. It lets you compare investments held for different lengths of time.
Why is annualized return lower than total return divided by years?
Because returns compound. A 69% gain over 5 years is about 11.1% a year compounded, not 13.8%, since each year's gain builds on the previous years' gains.
Does this account for stock splits?
Enter split-adjusted prices so the purchase and sale prices are on the same basis. Stock pages on MetaCap show split-adjusted historical prices, and the split history page lists every split.
Should I include taxes and fees?
For an after-tax view, reduce the sale price by commissions and taxes owed, and enter dividends net of tax. The default calculation is pre-tax, which is how fund and index returns are normally reported.

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Calculator results are hypothetical projections based on the inputs you enter, not predictions or guarantees. Market data is delayed at least 15 minutes and provided for informational purposes only. Not investment advice. Full disclaimer