ROI Calculator
This ROI calculator turns an amount invested and an amount returned into a return-on-investment percentage and net profit or loss. Add a holding period in years to see the annualized compound rate.
Return on investment.
This is a simplified estimate for general information only — not financial, tax, or legal advice. Real figures vary by lender, rate, jurisdiction and your own circumstances, so confirm with a qualified professional before acting.
How to use ROI Calculator
- Enter the amount invested and the amount you got back
- Add an optional holding period in years for annualized ROI
- Read your ROI percent, net profit, and total returned
About ROI Calculator
The ROI Calculator turns two numbers — the amount you invested and the amount you got back — into a clear picture of how an investment performed. It instantly shows your ROI percentage, your net profit or loss, and the total returned in a clean stat grid. Add an optional holding period in years and it also works out your annualized (compound) return, so a six-month trade and a five-year hold can be compared on equal footing.
Under the hood it runs the standard ROI formula — return minus cost, divided by cost — which makes it work for almost anything you can total up: a stock or crypto position, a small business bet, or a real estate deal. For a rental or a property flip, add your purchase price, repairs and closing costs together as the amount invested, and your sale proceeds plus any rent collected as the amount returned; the calculator then gives the overall return on that money. It won't break out monthly cash flow or cap rate on their own, but it answers the one question every deal comes down to: what percentage did I make? The math is currency-agnostic, so dollars, pounds, euros or rupees all give a correct percentage.
It's completely free, needs no sign-up, and runs entirely in your browser. Nothing you type is sent to a server or stored anywhere, so your numbers stay private on your own device.
Frequently asked questions
- Should "amount returned" be my profit or the total I got back?
- The total you ended up with, including your original money. Put in 1000 and sell for 1500 and you enter 1500, not the 500 gain — entering the gain alone would report a misleading −50%.
- What is the ROI formula this calculator uses?
- It uses the standard return-on-investment formula: amount returned minus amount invested, divided by amount invested, shown as a percentage. So 1,000 in and 1,300 out is (1300 − 1000) ÷ 1000 = 30%. The annualized figure uses the compound version, raising the return ratio to the power of one over the number of years.
- How is annualized ROI calculated, and when does it appear?
- It is the compound annual growth rate: (returned ÷ invested) to the power of 1 ÷ years, minus 1. It only appears when the holding period is above zero and the amount returned is above zero; otherwise the tool says which of those conditions is missing.
- Can I enter part of a year?
- Yes, the holding period accepts decimals — 0.5 for six months, 1.25 for fifteen months. The compounding formula handles fractional periods, which is the point of the annualized figure: it makes a six-month trade comparable with a five-year hold.
- Can I use this as a rental property or real estate ROI calculator?
- Yes, for the overall return on a deal. Add up everything you put into the property — purchase price, repairs, closing and holding costs — as the amount invested, and everything you took out — sale price plus any rent collected — as the amount returned. It gives one ROI figure for the whole property, though it doesn't model monthly rent, operating expenses or cap rate separately.
- How do I work out cash-on-cash return with it?
- Cash-on-cash return is one year's cash flow divided by the cash you put in. Enter your total cash invested as the amount invested, then that same cash plus a single year's net cash flow as the amount returned, and the ROI percentage it shows is your cash-on-cash figure. For a multi-year view, add the holding period and read the annualized return instead.
- Does it account for fees, taxes, inflation, or money added over time?
- No. It compares two single numbers, money in and money out. Subtract fees or tax from the amount returned before entering it; investments with contributions spread over time need an IRR calculation, which this tool does not do.
- Can ROI come out negative?
- Yes. When the returned amount is lower than the invested amount, ROI is negative and the middle stat switches from "Net profit" to "Net loss". A total return of zero gives exactly −100%.
- Why does it show dollars, and can I use another currency?
- Money is formatted as US dollars, but the arithmetic is currency-agnostic. Enter pounds, euros or rupees and the ROI percentage, annualized percentage and profit are all correct — only the symbol is wrong.
- Why does it refuse to calculate when I enter zero invested?
- ROI divides by the amount invested, so zero has no defined answer and the tool shows an error instead of a meaningless number. Enter the real cost basis, however small.
- Is there an Excel (XLS) version I can download?
- No — this is a browser calculator, not a spreadsheet file. If you want ROI in Excel or Google Sheets, the formula is =(returned − invested)/invested formatted as a percentage, and =(returned/invested)^(1/years)−1 for the annualized rate. Or just use this for a quick answer without building a sheet at all.
- How is this different from the Bankrate ROI calculator?
- It does the same core job — turning money invested and money returned into an ROI percentage — needs no sign-up, and adds an annualized (compound) return when you enter a holding period. People searching for the Bankrate version usually want exactly this: a fast, free return-on-investment result.
- How is this different from the Landing Page ROI calculator?
- This one measures a finished investment: money in versus money out, plus the annualized rate. The Landing Page ROI tool works forward from traffic, conversion rate and order value to project revenue, so use that for marketing forecasts and this one for a result you can already total up.