ROI Calculator

Calculate the return on any investment — stocks, property, business, or any asset. Enter the initial cost and final value to get the total ROI percentage and net gain. Add a time period to see the annualised return (CAGR).

Initial investment ($)

Final value ($)

Duration (years, optional — for annualised ROI)

ROI & CAGR Formulas

ROI = (Final Value − Initial Investment) / Initial Investment × 100 CAGR = (Final Value / Initial Investment)^(1 / years) − 1

ROI measures total return regardless of time. CAGR normalises for time, making it possible to compare investments held for different durations on equal footing. Always account for inflation, fees, and taxes to arrive at the real net return.

How to use

ROI vs CAGR

ROI (Return on Investment) is the total percentage gain or loss from start to finish. CAGR (Compound Annual Growth Rate) is the annualised equivalent — what constant yearly return would produce the same total result.

Negative ROI

If the final value is less than the initial investment, the result will be negative — indicating a loss. The calculator handles this correctly.

Formula

ROI = (Final − Initial) / Initial × 100 CAGR = (Final / Initial)^(1/years) − 1

Tips

•CAGR lets you compare investments held for different durations on equal footing.
•Always factor in fees, taxes, and inflation for a real-world picture.
•S&P 500 historical CAGR is approximately 10% before inflation (7% after).