You can calculate a total return over multiple years using the daily return (DR) formula, as well. You'll just need to add an extra step. First, figure out the annualized return (AR) for each year that you're including in your total return using this formula: AR = ((DR + 1)^365 – 1) x 100.Next, take the AR and put it into a similar equation in the same way, along with first converting the annual return to a decimal.AR = (((1 + AR1) x (1 + AR2) x (1 + AR3)... x(1+ARn))^(1/n) – 1) x 100AR1 is your first year's annual return, AR2 is your second's, and so forth until you've got all the years included. The value of n is the total number of years, so you'll raise the lot of your returns by 1/n and minus 1 to get the decimal value of your return rate, then multiply by 100 to convert it to a percentage.