ROI Calculator

Measure the return on any investment, with annualised CAGR.

Enter what you put in and what you got back. Add a holding period to see the annualised return, which is the only fair way to compare investments of different lengths.

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Dividends, rent, interest earned during the period

Why total ROI can mislead you

A 60% return sounds excellent until you learn it took eleven years to earn. Total ROI ignores time completely, which makes it useless for comparing a two-year investment against a ten-year one. Annualised ROI — the compound annual growth rate — fixes this by expressing the return as a consistent yearly rate.

Count every cost

Brokerage, stamp duty, registration, maintenance and any capital you added later all belong in the investment figure. Leaving them out inflates your apparent return, which is comfortable and wrong.

Income during the holding period

Dividends, rent and interest received while you held the asset are part of your return. Add them under income received or you will understate how well the investment actually performed.

What ROI does not tell you

It ignores inflation, tax and risk. A 9% return during 6% inflation is a 3% real return. Two investments with identical ROI can carry wildly different risk. Use ROI to compare, then judge the risk separately.

Frequently asked questions

What is the difference between ROI and CAGR?
ROI is the total percentage gain over the whole period. CAGR converts that into an equivalent steady annual rate, so investments of different durations become comparable.
Can ROI be negative?
Yes. A negative ROI means the investment returned less than you put in, and the size of the negative number tells you how much of your capital was lost.
Does this account for tax?
No. Capital gains tax depends on the asset type and how long you held it. Deduct your expected tax from the final value if you want a post-tax view.