Compounding Interest does some interesting things. This
calculator allows you to enter up to 20 annual return numbers. It then
calculates the cumulative return and the
average return in three ways -- first
the numeric average of the numbers you enter, and then the cumulative return
divided by the number of years, and finally by taking the cumulative return
and finding the single rate that would compound to that cumulative amount over
your time period.
You can enter zero or positive or negative numbers for returns.