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Rate of Return (Actuarial Interest) Calculator
Enter the beginning and ending balances for the plan year, then record the dated contributions and distributions.
This tool applies actuarial interest on each cash flow for the fraction of the year remaining to solve for the annual rate of return.
Contributions
Use date + amount. Example: 2025-02-15, 50000 or 03/10/2025 12500.
| Date |
Amount |
Fraction Remaining |
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Distributions
Enter positive amounts; the calculator treats them as cash outflows for interest-base purposes.
| Date |
Amount |
Fraction Remaining |
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Calculate Rate of Return
Awaiting calculation...
Provide balances and dated cash flows, then select Calculate or upload a JSON file with the full data set.
Weighted Contributions
$0.00
Weighted Distributions
$0.00
Calculation Detail
Provide balances and dated cash flows to see the actuarial interest breakdown.
JSON Payload Format
The backend expects a single JSON object with the fields below. Dates must be ISO (YYYY-MM-DD).
beginningBalance, endingBalance: numbersyearStart, yearEnd: strings (plan year dates)contributions, distributions: arrays of objects with date and amount
{
"beginningBalance": 750000,
"endingBalance": 910000,
"yearStart": "2025-01-01",
"yearEnd": "2025-12-31",
"contributions": [
{ "date": "2025-03-15", "amount": 50000 },
{ "date": "2025-08-01", "amount": 25000 }
],
"distributions": [
{ "date": "2025-05-10", "amount": 15000 }
]
}
Use “Download JSON” to export whatever you have entered above, or upload a file in the same shape via “Use JSON File.”
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