ROI Calculator
Free ROI calculator — enter initial investment and final value to see total ROI %, annualized ROI, net gain, and return multiplier. Multi-currency, no signup.
About ROI Calculator
Enter what you put in, what you got out, and (optionally) how long you held it. The calculator shows total ROI, net gain, the annualised return, and the multiplier.
The three numbers
- Total ROI —
(final − cost) ÷ cost × 100. Overall return as a percentage of what you spent. - Annualised ROI —
((final ÷ cost) ^ (1 ÷ years) − 1) × 100. The equivalent constant yearly rate (CAGR). Only shown when you enter a holding period. - Multiplier —
final ÷ cost. Friendlier than a percentage:1×is break-even,2×doubled your money,0.5×halved it.
Why annualised ROI matters
A 30% return on Stock A held for 1 year and a 30% return on Stock B held for 5 years sound equivalent — they are not. Stock A returned 30% annualised; Stock B returned 5.4% annualised. The latter underperformed almost every major index. Always compare investments on an annualised basis when holding periods differ.
Worked example
Buy a stock at $10,000. Sell 3 years later at $15,000. Transaction fees: $200 total.
- Total cost:
$10,000 + $200= $10,200 - Net gain:
$15,000 − $10,200= $4,800 - Total ROI:
$4,800 ÷ $10,200= 47.06% - Annualised ROI:
(15,000 ÷ 10,200) ^ (1 ÷ 3) − 1= 13.74% - Multiplier: 1.47×
The 13.74% annualised is the number to compare against benchmark indexes — the S&P 500 averages around 10% annualised over long periods.
Free, no signup, runs entirely in your browser.
Frequently asked questions
Return on investment — the gain or loss on an investment expressed as a percentage of the amount invested. Formula: ROI = (final value − initial investment) ÷ initial investment × 100. So $10,000 turned into $15,000 is a 50% ROI.
Total ROI tells you the cumulative return over the whole holding period — but it doesn't account for how long it took. Annualized ROI converts the total return into a constant yearly rate. A 50% total return over 1 year is 50% annualized. The same 50% total over 5 years is only ~8.45% annualized. Use annualized when comparing investments held for different lengths of time.
Annualized ROI = ((final ÷ initial)^(1 ÷ years) − 1) × 100. It's the compound annual growth rate (CAGR). For our 50% over 5 years example: (1.5)^(1/5) − 1 = 0.0845 → 8.45%.
Yes — for a realistic ROI number, include everything you spent to acquire and hold the investment: brokerage fees, taxes, maintenance, repairs, interest on loans. The calculator adds these to the cost basis. Without them, ROI is misleadingly optimistic.