Investing Calculators

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Match the metric to the question

Investment calculators are often compared as if one were simply better, but each answers a different question. ROI measures total return over a period you choose. CAGR restates that return as a steady annual rate, which is what makes two investments of different lengths comparable. Dividend yield describes income, not total return. Real return subtracts inflation. Cap rate describes a property's income against its value.

The mistake that costs the most money is comparing a nominal return against a real one, or comparing two ROI figures that cover different time spans. A return over three years and a return over ten years are not comparable until both are annualised.

For a like-for-like comparison use the CAGR calculator; to see what a return is worth after inflation use the real return calculator; for income planning use the dividend yield calculator and the systematic withdrawal calculator.

Common mistakes to avoid

• Comparing ROI figures that cover different periods without annualising them first.
• Comparing nominal returns against inflation-adjusted ones.
• Reading a high dividend yield as a good total return, a falling price can cancel the income.
• Ignoring dividends and distributions when comparing price-only returns.
• Using a cap rate without confirming which operating expenses were included in the net income.

Frequently asked questions