The Money Growth Tool
See how much your money has truly grown over time — with accurate yearly and total return calculations.
Growth Projection
Nominal vs. inflation-adjusted value over time.
Performance Audit
Understanding Your Growth
What Is This Number?
We use an internal rate of return (IRR) calculation that accounts for exactly when money went in and came out — giving you the most accurate picture of your real performance.
Yearly vs. Total
Total growth shows all money earned from start to finish. Yearly growth tells you the average annual rate — useful for comparing against benchmarks like the S&P 500.
Inflation Adjustment
A 10% return with 3% inflation means your real purchasing power only grew by about 6.8%. The "Real Growth" figure shows what your money can actually buy in today's dollars.
How to Use This Tool
Use Cash Flow if you know specific dates for deposits or withdrawals. Use Multiple Returns to chain different growth rates together over time.
Click "Add Activity" to log every deposit or withdrawal. Positive numbers are deposits, negative are withdrawals. Accurate dates are important for precise results.
Change the Inflation Rate to see your "Real" growth — what your money is actually worth in today's purchasing power after inflation is accounted for.
Use the Market Benchmarks section to see how your return stacks up against common market indices over the same time period.