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Investing & Savings

ROI Calculator

Calculate gain, return on investment, and annualized return from beginning and ending values.

Best for: Calculate investment gain, total ROI, and annualized return from beginning value, ending value, and holding period.

Your assumptions

Calculate your estimate

Your result

ROI estimate

Return on investment
45%
Net gain
$4,500.00
Annualized return
13.19%

How to use this roi calculator

Use this ROI calculator to translate a beginning and ending value into total and annualized performance. Add all relevant cash invested and proceeds when possible; omitted fees or interim cash flows can make a simple ROI misleading.

  1. 1

    Enter beginning and ending value

    Use values measured on a consistent basis and include transaction costs where relevant.

  2. 2

    Add the holding period

    Enter how long capital was committed so total ROI can be annualized.

  3. 3

    Compare rate and dollar gain

    Review both percentage performance and the actual dollars created or lost.

Worked planning example

Example: compare two investments held for different periods

Set up

Calculate ROI for each investment using its beginning value, ending value, and years held.

Compare

Compare annualized return rather than total percentage alone.

Takeaway

A smaller total gain achieved quickly can represent a higher annualized rate than a larger gain earned over many years.

Use cash-flow-aware metrics when timing is complex

Simple ROI works best with one beginning investment and one ending value.

  • Include fees, taxes, and maintenance when relevant.
  • Use IRR for multiple dated cash flows.
  • Compare investments with similar risk and liquidity.

Calculation methodology and assumptions

For this roi estimate, Silvia uses initial investment, ending value, holding period. Calculate gain, return on investment, and annualized return from beginning and ending values. Results are estimates, not quotes, tax advice, or investment recommendations.

Frequently asked questions

What is the ROI formula?

ROI equals ending value minus beginning value, divided by beginning value, expressed as a percentage.

What is annualized ROI?

It converts total growth over the entered holding period into an equivalent compounded yearly rate.

Does ROI account for risk?

No. It measures return from entered values but does not adjust for volatility, liquidity, leverage, or probability of loss.

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