ROI Calculator
Was that investment actually worth it? Get your return on investment, net profit, and annualized ROI in one click.
📊 Return on Investment
—%
— net profit · — annualized
Net Profit
—
total gain/loss
Total Return
—%
over the full period
Verdict
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vs. ~7% market avg
🎯 What this means
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- ✓ Compare to a benchmark. A 50% gain in 2 years sounds great — until you learn the S&P 500 did 40% in the same period. Always compare to a relevant benchmark.
- ✓ Factor in all costs. Brokerage fees, taxes, inflation, and opportunity cost all eat into real ROI. Subtract them from the final value for net ROI.
- ✓ Annualize before comparing. A 20% gain in 6 months (72% annualized) is very different from 20% over 5 years (3.7% annualized). Annualized ROI levels the playing field.
- ✓ Don't chase the highest ROI. Investments offering 50%+ annual returns usually carry 50%+ risk of loss. Risk-adjusted return (Sharpe ratio) is the pros' preferred metric.
- ✓ Time in the market beats timing the market. Over 20-year horizons, the S&P 500 has never had a negative annualized return. The longer you hold, the more reliable your ROI.
Disclaimer: This calculator provides gross ROI estimates for educational purposes only. It does not account for fees, taxes, inflation, or opportunity costs. Past performance does not guarantee future results. Not financial advice — consult a licensed financial advisor before making investment decisions.
Related Tools
ROI is just one lens on your money. These eleven finance calculators cover the rest of the investment and savings picture — from compound growth to investment fees, salary negotiation, debt payoff, break-even analysis, depreciation, profit margins, retirement planning, and your full financial health score.
- Investment Fee Calculator — see how mutual fund MERs and advisor fees quietly eat 40%+ of your returns over 30 years.
- Compound Interest Calculator — project how a single investment grows over decades with compounding.
- Salary Increase Calculator — your career is your highest-ROI investment; model the long-term payoff of a raise.
- Debt Payoff Calculator — paying off 20% APR debt is a guaranteed 20% after-tax ROI. Quantify it here.
- Financial Health Score Calculator — a 10-factor snapshot that puts your ROI in the context of your full financial life.
- Coffee vs Latte Factor — the small-spending ROI calculator. See the 30-year opportunity cost of a $5 daily habit.
- Break-Even Calculator — find the sales volume where total revenue equals total cost; the profitability starting line ROI builds on.
- Retirement Savings Calculator — project decades of contributions and employer matches to see if you're on track for your target nest egg.
- Profit Margin Calculator — measure how much of every dollar of revenue stays as profit; the margin that determines whether your ROI comes from scale or efficiency.
- Working Capital Calculator — see whether your business has the short-term liquidity to fund the growth your ROI projections depend on.
- Depreciation Calculator — calculate straight-line, double-declining-balance, and sum-of-years-digits depreciation to see how asset value erosion affects your true ROI.