Investing
ROI Calculator
Calculate the return on an investment, including total ROI, net profit, and the annualized rate of return over your holding period.
Enter what you put in, what it is worth now, and how long you held it to see both the total return and the smoother annualized rate.
Investing
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Scenario presets
Quick compare
Example
Turning $10,000 into $18,000 over five years is an 80% total return, but only about a 12.5% annualized return.
Results
Total ROI
80.0%
Net profit
$8,000
Annualized return
12.5%
Projection
Trend view
Milestones
Decision cues
Breakdown
Cost mix
Result reading
The visual trend is moving up, with an approximate change of $6,753 across the period shown.
Planning cue
Use the output as a scenario test rather than a promise. Small input changes can materially change the result.
ROI ignores taxes, fees, and the timing of any cash added or withdrawn along the way.
How it works
What the result is showing you
These sections explain what the calculator measures, which assumptions matter most, and where the number can be misleading.
Total ROI versus annualized return
Total ROI is the full percentage gain from start to finish. Annualized return spreads that gain evenly across each year you held the investment, which makes it the fairer way to compare deals with different time spans.
Why time changes the story
A 50% total return sounds great, but it is very different over one year than over ten. The annualized figure shown here lets you line up a quick flip and a long hold on the same scale.
What ROI leaves out
Simple ROI ignores taxes, trading fees, and any money you added or withdrew partway through. For investments with ongoing contributions, a compound growth or CAGR view will describe the result more accurately.
FAQ
Frequently asked questions
Quick answers to the questions people ask most about this calculator.
What is a good ROI?
It depends on risk and time horizon. Broad stock market averages have historically landed somewhere around 7% to 10% annualized over long periods, so comparing your annualized return to that range is more useful than judging total ROI alone.
Is ROI the same as annualized return?
No. ROI is the total percentage gain over the whole period, while annualized return is the equivalent steady yearly rate. This calculator shows both so short and long holds can be compared fairly.
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