Short holding periods inflate annualised numbers. A 10% gain in 3 months annualises to ~46%/year — but you don't have a year of data to support that. The "under 1 year" badge flags this. Fees compound silently. A 1% annual fee feels small, but over 30 years it erodes roughly 20% of your final balance. Include all fees: commissions, fund TER, advisor fees, withdrawal penalties. Tax isn't subtracted. Most jurisdictions tax capital gains and/or dividends. After-tax ROI is what actually lands in your account — subtract the rate appropriate for your tax bracket and account type (ISA, Roth, taxable, etc). Inflation isn't subtracted. A 6% nominal return at 3% inflation is only a 3% real return. For long-horizon comparisons, use the inflation-calculator on top. Don't compare absolute profit across positions of different sizes. $1000 → $2000 doubles your money; $100k → $110k earns much more in dollars but only 10%. ROI normalises the comparison. One winner per period is not a strategy. Picking last decade's best performer for next decade has a very poor empirical record. Use this tool for ex-post review, not forecasting. Property ROI is messy. Most "real estate beat stocks" claims ignore property taxes, maintenance, insurance, vacancy, transaction costs, and unpaid time as landlord. Add those into the fees field for a fair comparison.

compound-interest-calculator — project ROI forward into the future. inflation-calculator — convert nominal ROI to real (purchasing-power) ROI. retirement-projection — apply an assumed CAGR to a long-horizon plan.

ROI Calculator

Calculate return on investment + annualized CAGR for any holding. Compare up to 3 investments side-by-side: stocks, real estate, crypto, anything with a buy + sell value.

Past returns are not guarantees. Annualised figures assume reinvestment of nothing; treat as a back-of-envelope number, not an investment plan.

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Result

What is this for?

ROI ("return on investment") is the universal language for "did this make money, and how much?" — but the raw number is easy to misread. A 50% return over 10 years is far worse than a 50% return over 6 months. This tool reports both: the total ROI (the headline percent) and the annualised CAGR (what it works out to per year), so you can compare investments held for different lengths of time on equal footing. Use it for a quick gut-check before claiming "I beat the market" or before swapping out one position for another.

The math

Total ROI = (final − initial − fees + dividends) ÷ initial × 100.
CAGR (Compound Annual Growth Rate) = (final ÷ initial)^(1/years) − 1, expressed as %.
"CAGR incl. divs" treats dividends as reinvested at the end and reports the annualised total return; it's the number to compare across funds with different dividend policies.

Common gotchas

Short holding periods inflate annualised numbers. A 10% gain in 3 months annualises to ~46%/year — but you don't have a year of data to support that. The "under 1 year" badge flags this.
Fees compound silently. A 1% annual fee feels small, but over 30 years it erodes roughly 20% of your final balance. Include all fees: commissions, fund TER, advisor fees, withdrawal penalties.
Tax isn't subtracted. Most jurisdictions tax capital gains and/or dividends. After-tax ROI is what actually lands in your account — subtract the rate appropriate for your tax bracket and account type (ISA, Roth, taxable, etc).
Inflation isn't subtracted. A 6% nominal return at 3% inflation is only a 3% real return. For long-horizon comparisons, use the inflation-calculator on top.
Don't compare absolute profit across positions of different sizes. $1000 → $2000 doubles your money; $100k → $110k earns much more in dollars but only 10%. ROI normalises the comparison.
One winner per period is not a strategy. Picking last decade's best performer for next decade has a very poor empirical record. Use this tool for ex-post review, not forecasting.
Property ROI is messy. Most "real estate beat stocks" claims ignore property taxes, maintenance, insurance, vacancy, transaction costs, and unpaid time as landlord. Add those into the fees field for a fair comparison.

Pairs with

compound-interest-calculator — project ROI forward into the future.
inflation-calculator — convert nominal ROI to real (purchasing-power) ROI.
retirement-projection — apply an assumed CAGR to a long-horizon plan.