You may be wondering how can you determine the percentage return since there were contributions during the period? RealReturns will determine this for you. RealReturns calculates investment returns using a variation of the concept known as €˜Compound annual growth rate €™ (CAGR) which utilizes the time value of money in the determination of returns. This software incorporates the timing of your investment in the calculation of your return. Basically, RealReturns will tell you what rate of return your investments would have had to earn in a savings account to achieve the same results.