ROI Calculator
Calculate return on investment (ROI) percentage, net profit and annualized ROI from your initial and final amounts over a holding period.
User assumption only. No inflation, savings or market return is built in.
Theoretical growth path at constant CAGR
Illustration only: this is a constant-CAGR path between the two endpoints, not actual year-by-year performance.
Dated cash flows (XIRR)
Enter investments as negative amounts and returns as positive amounts. XIRR uses actual dates and a 365-day year.
Compare investment B over the same holding period
Both A and B use A’s holding period: —.
Long-term growth? Compound interest · unit economics: Break-even · retirement: 401(k) calculator.
How to read your ROI
Total ROI shows the overall percentage gain or loss. CAGR is an equivalent constant annual rate between two values, not a record of actual yearly returns. For money moving on multiple dates, use XIRR; for a benchmark, enter your own assumption.
FAQ
What is ROI?
Return on investment is your net profit divided by the amount invested, shown as a percentage: ROI = (final − initial) ÷ initial × 100.
What is annualized ROI?
It converts the total return into an equivalent yearly rate (CAGR), so investments held for different lengths of time can be compared fairly.
How does the benchmark comparison work?
Enter your own annual benchmark assumption. The tool compounds that rate over the same holding period and compares the resulting value; no market, savings or inflation rate is assumed for you.
When should I use XIRR?
Use dated cash flows when money was invested or returned on different dates. Enter investments as negative amounts and returns as positive amounts; XIRR estimates the annual rate that makes their dated net present value zero.
Can ROI be negative?
Yes. If the final value is less than the initial investment, the ROI and net profit are negative — a loss.
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