SmartRose CORP.

Accurate, Efficient and User Friendly
   

    Universal Investment Return Calculator

App Name: Universal Investment Return Calculator - for Stock Market, Mutual Fund, Annuity, Real Estate, Fixed Income, etc.


Almost everyone in this world has some kind of investment. Be it a house, a stock, savings account, some kind of fund or various financial products your banker promotes to you, you want it to make money. 

 

The question is, how to judge if an investment is a good investment? You cannot just look at the absolute Gain (or Loss). The absolute Gain (or loss) is determined by the amount of money invested combined with the length of time you hold that investment. 

 

The compound "Annualized Rate of Return" is the most accurate criteria to judge if an investment is good or not. The bigger the Annualized Return, the better. After you know the Annualized Return of your investments, you can reallocate your investments efficiently to maximize your profit. 

 

The "Universal Investment Return Calculator"  has following unique features:

 

1. It can calculate all kinds of investment and can be easily tailored to suit your needs. For example, it can handle irregular cash flow using mathematical formula same as the XIRR function. So far we haven't seen any app in the store that can do the same thing.

 

2. It uses state-of-the-art algorithm so it can give you accurate and fast result.

3. It has user-friendly and clean design so that it is very easy to use and much less confusing than other apps.


Here are some examples to show you how to use the calculator:

 

Example 1:

In the simplest scenario: say you put $5000 in an investment on February 6, 2010, and in May 15, 2012 it is worth $8000, you want to know what the Annualized Return of the investment is, you input the following data in the corresponding sections in the calculator:

 

Initial Investment:     5000,     February 6, 2010
End Value:     8000,     May 15, 2012

 

The calculator will give you the result of 22.99%. Pretty good investment, right?

 

Example 2:
In the IRR scenario: say you invested $100000 on February 8, 2009 and receive $30000, $40000, and $45000 in the next 3 years respectively, you want to know what the Annualized Return of the investment is, you input the following data in the corresponding sections in the calculator:

 

Initial Investment:     100000,     February 8, 2009
 
Incomes:
Money back:     30000,     February 8, 2010
Money back:     40000,     February 8, 2011
Money back:     45000,     February 8, 2012

 

The calculator will give you the result of 6.85%. Not a bad investment.

 

Example 3:
In the irregular cash flow (XIRR) scenario: say you bought a stock for $6000 on January 16, 2011 and paid $9.95 for commission, after a year they started to declare dividend, but in irregular dates and in irregular amount (see the data below), and in June 6, 2013 you sold the stock for $10000 and paid $9.95 for commission, you want to know what the Annualized Return of the investment is, you input the following data in the corresponding sections in the calculator:

 

Initial Investment:     6000,     January 16, 2011
 
Incomes:
Dividend:     60,     February 11, 2012
Dividend:     60,     May 12, 2012
Dividend:     80,     February 12, 2013
Dividend:     80,     May 11, 2013

 

Costs:
Commission:     9.95,     January 16, 2011
Commission:     9.95,     June 6, 2013

 

End Value:     10000,     June 6, 2013

 

The calculator will give you the result of 25.37%. Also a good investment.

 

There are also many other scenarios you can use the calculator. What you need to do is make the cash flow clear, and put the cash flow items to the right sections of the calculator. Try it out and have fun!