ROI calculator
Compute return on investment from the initial outlay, final value, any income and costs along the way and the holding period: net profit, ROI, annualised return (CAGR), multiple, break-even value, and the final value required to hit a target ROI.
Runs in your browserEvery computation happens in your browser — your data never leaves this device.
Investment inputs
All money is integer cents; ROI = (total proceeds − total cost) / total cost and the annualised figure compounds: (proceeds / cost)^(1/years) − 1.
Result
100,000.00130,000.0030,000.0030.00%9.14%1.3000 ×30.00%100,000.00Reverse calculation
Enter a target ROI to see the final value it requires, taking income and costs into account.
150,000.00What this tool does
- Score a single investment: 100,000 in, 130,000 out three years later gives a 30.00% ROI, 9.14% annualised and a 1.30 multiple.
- Fold income and fees in: 100,000 in, sold for 120,000 with 5,000 of dividends and 1,000 of fees gives 24,000 of net profit and a 23.76% ROI, below the 25% you would get ignoring fees.
- Measure a loss honestly: 100,000 down to 80,000 is −20.00% ROI and −7.17% a year; total loss shows as −100.00%.
- Work backwards from a target: a 50% return needs a final value of 150,000, or 146,500 once income and fees are included.
Example
Input
Initial outlay 100,000, final value 130,000, no income, no costs, 3-year holding period
Output
Total cost 100,000.00; total proceeds 130,000.00; net profit 30,000.00; ROI 30.00%; annualised 9.14%; multiple 1.30; return on the initial outlay 30.00%; break-even final value 100,000.00
A 30% total return spread over three years is only 9.14% a year, not 10%: the annualised figure compounds, 1.30^(1/3) − 1, which is compounding working in reverse.
Frequently asked questions
What is the difference between ROI and the annualised return?
ROI is the total return over the whole holding period with no regard for time; the annualised return spreads it out as an equivalent yearly compound rate so investments of different lengths can be compared. 100,000 growing to 130,000 over three years is 30.00% ROI but 9.14% a year. Over less than a year the annualised figure exceeds the ROI, which is why short-lived high-yield products look so good.
What counts as income and as costs?
Income is cash received along the way — dividends, interest, rent — and is added to the proceeds. Costs are fees, commissions, management charges and taxes, and are added to the cost base. In the example, 100,000 invested and sold for 120,000 with 5,000 of dividends and 1,000 of fees gives a 101,000 cost base, 125,000 of proceeds, 24,000 of profit and a 23.76% ROI.
What are the multiple and the return on the initial outlay for?
The multiple is total proceeds divided by total cost, so 1.30 means every unit of cost comes back as 1.30 — a quick sanity check. The return on the initial outlay keeps the outlay alone in the denominator instead of the full cost base, so it matches the ROI when there are no extra costs and reads higher once fees appear.
Why is the annualised figure negative?
When the proceeds fall short of the cost base the annualised return must be negative: 100,000 down to 80,000 is −7.17% a year, meaning the position shrank by about 7.17% a year on average. If the final value is zero the tool reports −100%, because the capital is gone and compounding no longer means anything.
Is this the same as a fund’s "cumulative return"?
Not necessarily. Fund headline returns often exclude subscription and redemption fees and ignore the timing of dividend reinvestment, whereas this tool uses (total proceeds ÷ total cost) − 1 with fees and dividends included. It is still a simple measure with no discounted cash flow, so for money added in several tranches compute each separately or use an IRR approach.
Keywords：roi calculatorreturn on investmentcagrinvestment returnbreak evenROI 计算投资回报率年化收益率投资倍数回本点