ROI Calculator (2026)
See your total return on investment and your annualized return (CAGR) from three numbers: what you put in, what it is worth now, and how long you held it. Everything runs in your browser; nothing is stored or sent anywhere.
Estimate updates as you type. Leave the holding period blank or zero to see total ROI only.
How the ROI calculation works
Total return on investment is the gain or loss relative to what you put in: ROI = (final value − amount invested) ÷ amount invested × 100. Turning $10,000 into $13,000 is a $3,000 gain, or a 30% ROI. The annualized return, or compound annual growth rate, spreads that total over the years you held the investment: CAGR = (final value ÷ amount invested)(1 ÷ years) − 1. Over three years a 30% total return works out to roughly 9.1% per year.
Total ROI versus annualized return
Total ROI shows the size of your gain, but not how quickly you earned it. Two investments can each return 50% in total, yet one took two years and the other took ten. The annualized return puts them on the same yearly footing so you can compare them fairly. Because it assumes steady compounding, it is a smoothed average; real year-to-year results rise and fall and can be negative.
Common questions
What if my investment lost money?
Enter the current value below the amount invested and the calculator shows a negative ROI and a negative annualized return. A loss is a normal possible outcome of investing; this tool simply measures it, it does not advise on it.
Should I enter values before or after taxes and fees?
The calculator uses whatever you type. For a more realistic picture, enter the current value net of trading fees and any taxes you would owe on the gain. It does not adjust for inflation, so future dollars are worth less than today's.
Is my data saved?
No. The calculation runs entirely in your browser. Nothing you type is stored, transmitted, or shared.
Method: total ROI = (final value minus amount invested) divided by amount invested; annualized return uses the compound annual growth rate formula (final divided by invested, raised to one over the number of years, minus one). General references include published explainers from Investopedia, NerdWallet, and Omni Calculator. Always verify your actual figures with your broker or provider.