ROI Calculator

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Calculate your return on investment instantly. Enter your initial investment and final value to see ROI %, net return, and total return multiple. Add a time period in years to get annualized ROI, and optional additional costs to factor in fees or maintenance.

How to Use

01

Enter your initial investment amount.

02

Enter the final value of the investment.

03

Optionally add the time period in years to calculate annualized ROI.

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Optionally add additional costs such as fees or maintenance.

05

Click Calculate to see your results, scenario comparison table, and chart.

How the ROI Calculator Works

ROI (Return on Investment) measures the efficiency of an investment as a percentage. The formula is: ROI % = (Net Return / Total Cost) × 100, where Net Return = Final Value − Initial Investment − Additional Costs, and Total Cost = Initial Investment + Additional Costs. For example, if you invested 10,000, paid 500 in fees, and the investment grew to 15,000, your net return is 4,500 and your ROI is 4,500 / 10,500 × 100 = 42.86%. When a time period is provided, the annualized ROI is calculated as ((1 + ROI/100)^(1/years) − 1) × 100, which converts the total return into a compounded annual rate for fair comparison across investments of different durations.

Step-by-Step Example

  1. Initial investment: 10,000 | Additional costs (fees): 500 | Final value: 15,000 | Time period: 3 years
  2. Total cost = 10,000 + 500 = 10,500
  3. Net return = 15,000 − 10,500 = 4,500
  4. ROI = (4,500 / 10,500) × 100 = 42.86%
  5. Total return multiple = 15,000 / 10,500 = 1.43x
  6. Annualized ROI = ((1 + 0.4286)^(1/3) − 1) × 100 = 12.67% per year

When to Use This Calculator

  • Evaluating whether a past investment was profitable
  • Comparing two investment options with different costs and returns
  • Calculating the annualized return on a multi-year investment
  • Factoring in fees and maintenance costs to get a true net ROI
  • Stress-testing your investment against ±10–30% final value scenarios
  • Presenting investment performance in a clear, shareable format

Important Note

ROI is a simplified metric and does not account for taxes, inflation, compounding within the investment period, or the time value of money beyond the annualized formula. For complex portfolios or tax-sensitive decisions, consult a qualified financial advisor.

ROI vs. Annualized ROI

Total ROI gives an immediate snapshot of overall profitability
Annualized ROI enables fair comparison between investments held for different durations
Including additional costs gives a more realistic net return figure
ROI alone is misleading when comparing a 1-year and a 10-year investment
Does not account for risk, volatility, or opportunity cost
Ignores tax implications which can significantly reduce the actual return

Key Features

ROI %

Core return on investment as a percentage of total cost including any additional fees.

Annualized ROI

Converts total ROI to a per-year equivalent for fair comparison between investments of different durations.

Scenario Table

See how ROI changes if the final value were ±10%, ±20%, or ±30% different from the entered value.

Bar Chart

Visual comparison of total amount invested against the gain or loss from the investment.