Stock Return Calculator — Calculadora Online Grátis
Stock investment return with dividend reinvestment, capital gains and annualized CAGR comparison
Sobre Esta Calculadora
Total stock return has two components: price appreciation (capital gain) and dividend income. Ignoring dividends dramatically understates historical equity returns — dividends have contributed roughly 40% of the S&P 500's total return over the past century.
The power of dividend reinvestment (DRIP): $10,000 invested in a stock at $50/share with a 3% annual dividend and 5% annual price growth. After 20 years, price-only return produces $26,533. With dividends reinvested, the same investment grows to $43,219 — 63% more — because each reinvested dividend purchases new shares that themselves pay future dividends.
CAGR vs. total return: a stock purchased at $45 and sold at $72 after 7 years, while paying $1.20/year in dividends, has a total dollar return of $35.40 ($27 capital gain + $8.40 dividends). The CAGR is approximately 8.7% — the annualized rate that produced that outcome, accounting for both components.
After-tax returns differ significantly between account types: in a taxable account, qualified dividends are taxed at 0%, 15%, or 20% each year, reducing the compounding base. In a Roth IRA, all dividends reinvest tax-free. This calculator shows pre-tax and after-tax return side by side for taxable accounts.
Compare your investment's CAGR against the S&P 500's long-term average of ~10% nominal to benchmark whether your individual stock picks have added value over simply holding an index fund.
Fórmula
Total Return = (End Price - Start Price + Dividends) / Start Price × 100 CAGR = (End/Start)^(1/Years) - 1
Dicas
- Total return includes both price appreciation and dividend income — always compare total return, not just price change.