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ROI Calculator

Calculate return on investment (ROI), net profit, and annualized ROI (CAGR). Enter initial investment, final value, and investment duration in years. See if your investment gained or lost value. 100% browser-based, no signup.

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Total ROI
Gain
+85.00%
$10,000.00 → $18,500.00 over 5 years · 1.85× your money
Net Profit
+$8,500.00
Annualized ROI (CAGR)
+13.09%
per year compounded
Multiplication Factor
1.85×
final / initial
Profitable investment — you gained money.

Your investment grew by $8,500.00 over 5 years — a total ROI of +85.00% (+13.09% per year compounded).

Formulas used
ROI % = ((final − initial) / initial) × 100
Net Profit = final − initial
Annualized ROI = ((final / initial)^(1/years) − 1) × 100
Factor = final / initial

ROI %

Total return on investment as a percentage: ((final − initial) / initial) × 100. Quickly see whether an investment gained or lost money.

Net Profit

The absolute dollar gain or loss: finalValue − initialInvestment. Positive = green gain, negative = red loss, displayed in plain currency.

Annualized ROI (CAGR)

Compound annual growth rate: ((final / initial)^(1/years) − 1) × 100. Lets you compare investments held for different lengths of time on equal footing.

Result Interpretation

Color-coded verdict — green "Gain" for positive ROI, red "Loss" for negative ROI — plus the total multiplication factor (e.g. 1.85× your money).

What is ROI?

Return on Investment (ROI) measures the profitability of an investment as a percentage of its cost. Formula: ROI = ((finalValue − initialInvestment) / initialInvestment) × 100. A positive ROI means a gain; a negative ROI means a loss.

What is annualized ROI (CAGR)?

Compound Annual Growth Rate (CAGR) is the annualized ROI — the constant annual rate that would grow your initial investment to the final value over the holding period. Formula: CAGR = ((finalValue / initialInvestment)^(1/years) − 1) × 100. It lets you compare a 3-year investment to a 10-year investment on equal footing.

How is the multiplication factor calculated?

It is simply finalValue / initialInvestment. A factor of 2.0 means you doubled your money (a 100% ROI). A factor of 0.5 means you lost half (a -50% ROI). The factor and the ROI percentage tell the same story in different units.

Why use annualized ROI instead of just ROI?

Total ROI does not account for time. A 50% ROI in 1 year is excellent, but a 50% ROI over 20 years is poor (~2% per year). Annualized ROI normalizes for time so you can compare investments held for different durations on an apples-to-apples basis.

Is my financial information private?

Yes. All calculations run entirely in your browser using JavaScript. Your investment amounts never leave your device — no signup, no server, no tracking.

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