ROI Calculator

1. Enter your initial investment. This is the total amount you paid or put in upfront, including any fees, commissions, or closing costs.
2. Enter the final value or net gain. The final value is what the investment is worth now or at exit. If the investment has declined, the ROI will be negative. You can also enter the net gain directly if you know it.
3. Enter the holding period in years. This enables the annualized ROI (CAGR) calculation. An investment that doubled in 5 years has a much higher annualized return than one that doubled in 20 years, even though both show 100% total ROI.

The results show both total ROI (the raw percentage gain) and annualized ROI (the equivalent per-year return), which is what you need for meaningful comparisons between investments held for different time periods.

ROI = (Final Value - Initial Investment) / Initial Investment × 100

Annualized ROI (CAGR) = (Final Value / Initial Investment)^(1 / Years) - 1

Net Return = Final Value - Initial Investment

Example: $10,000 invested, grew to $18,000 in 6 years:
ROI = (18,000 - 10,000) / 10,000 × 100 = 80%
CAGR = (18,000 / 10,000)^(1/6) - 1 = 10.3% per year

Common ROI benchmarks by asset class: