Free Investment ROI Calculator
Calculate your net profit, total return, and annualized return (CAGR) from an initial investment and its final value.
Estimates only, not financial advice. Past performance doesn't predict future returns.
Frequently Asked Questions
What's the difference between total ROI and annualized return?
Total ROI is your overall percentage gain or loss over the whole period. Annualized return (CAGR) spreads that same gain evenly across each year, which makes it easier to compare investments held for different lengths of time.
Does this account for taxes or fees?
No — enter your final value net of any fees you already know about if you want them reflected. Taxes on gains aren't factored in and vary by account type and situation.
What's a good ROI?
It depends heavily on the type of investment, risk taken, and time period — there's no universal benchmark. Comparing your annualized return to a relevant index over the same period is a common approach.
How are additional contributions handled?
Any additional amount you invested along the way is added to your initial investment to get total capital invested, which is then compared to your final value. This is a simplification — it doesn't account for exactly when each contribution was made.
Is this financial advice?
No — this is an estimate for planning purposes only, not financial advice. Past returns don't predict future performance.