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# Lump Sum Annual Return Calculator

Use this calculator to determine the annual rate of return of known lump sum starting and ending amount.

## Calculated annual rate of return is RATE_OF_RETURN.

**GRAPH**
Results Summary
Initial amount PRESENT_VALUE as of PRESENT_DATE
Future value FUTURE_VALUE as of FUTURE_DATE
Start date PRESENT_DATE
End date FUTURE_DATE
Dates span a period of TOTAL_TIME
Calculated rate of return RATE_OF_RETURN compounded COMPOUND_INTEREST_LOWER

## Lump Sum Annual Return Calculator 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 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.
End date
Date your investment or account will be worth the entered future value.
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 Dec. 1st, 2014, had an annual compounded rate of return of 8.06%, including reinvestment of dividends. From January 1970 through to Dec. 2014, the average annual compounded rate of return for the S&P 500®, including reinvestment of dividends, was approximately 10.7% (source: www.standardandpoors.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 may pay as little as 0.25% or 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 Separate Account investment funds and/or investment companies may charge.