UK Average Return Calculator
Calculate CAGR (Compound Annual Growth Rate) for your investments with our simple calculator
Updated with UK market data and performance benchmarks for 2025/26
Average Return Calculator
Calculate CAGR (Compound Annual Growth Rate) for your investments
£
Starting investment amount
£
Current or final value
years
Length of investment period
Results
Annual Return (CAGR)
14.47%
Total Return
50.00%
Total Gain
£5,000.00
How It Works
CAGR (Compound Annual Growth Rate): The constant annual return rate that would achieve the same total return over the investment period. This is the most accurate way to measure average annual returns.
Total Return: The percentage gain or loss from your initial investment to the final value.
Total Gain: The absolute monetary gain or loss from your investment.
UK Investment Performance Data 2025/26
UK Market Averages
- FTSE 100 (10 year): 6.8% p.a.
- FTSE All Share (10 year): 7.2% p.a.
- UK Property (10 year): 5.4% p.a.
- UK 10Y Gilts: 4.2% current yield
- Cash ISA: 1.5% - 4.8% p.a.
Global Benchmarks
- S&P 500 (10 year): 12.4% p.a.
- MSCI World (10 year): 9.1% p.a.
- MSCI Emerging Markets: 3.8% p.a.
- Global Property: 6.2% p.a.
- Gold (10 year): 4.1% p.a.
Risk Metrics Guide
- Sharpe Ratio >1.0: Good
- Sharpe Ratio >2.0: Excellent
- Beta <1.0: Less volatile than market
- Beta >1.0: More volatile than market
- Alpha >0: Outperforming expectations
Cost Impact
- 1% annual fee: ~27% of total returns over 30 years
- Platform fees: £0-£200+ annually
- Dealing costs: £0-£12 per trade
- Fund OCF: 0.05%-2.5% annually
- ISA wrapper: Tax-free growth