ROI Calculator

Measure total and annualized return on any investment.

Your Inputs

$
$

Total ROI

Net gain

Annualized ROI

Per year over yr

How to Use This Calculator

1. Enter the amount you originally invested.
2. Enter the final (current or sale) value.
3. Set how many years you held the investment.
Total and annualized ROI update instantly.

Calculation Method

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

Annualized ROI expresses the return as a constant yearly rate, making investments of different lengths comparable.

Source: Standard return-on-investment and CAGR formulas.

Doubled in 5 yr

$10,000 → $20,000 · 5 yr

+100% (14.9%/yr)

Modest gain

$10,000 → $13,000 · 3 yr

+30% (9.1%/yr)

Loss

$10,000 → $8,000 · 2 yr

−20% (−10.6%/yr)

Frequently Asked Questions

What is ROI?

Return on investment — the percentage gain or loss relative to the amount you invested.

Why use annualized ROI?

It converts the total return into an equivalent yearly rate so you can compare investments held for different periods.

Does ROI account for cash flows?

This simple ROI assumes a single investment and a single ending value. For periodic contributions, use the Compound Interest or Dollar-Cost Averaging calculator.

Is a higher ROI always better?

Not necessarily — higher returns usually come with higher risk. Always weigh ROI against the risk taken.

Does this include fees and taxes?

No. Subtract fees and taxes from the final value for an after-cost figure.

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Investment Disclaimer: Calculations are estimates based on assumptions. Past performance does not guarantee future results. Investments involve risk, including potential loss of principal. SmartStockCalcs is not a registered investment advisor. For educational purposes only — consult a licensed financial advisor before making investment decisions.

Last updated: May 24, 2026