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ROI Calculator

Work out return on investment, profit and annualised growth

Currency

Amount Invested

Enter the amount invested

Final Value

Enter the final value

Extra Costs

Enter extra costs (or 0)

Years Held

Enter years held (0 to skip)

Return on Investment

Net Profit

Money Multiple

Annualised Return (CAGR)

Total Cost

--0%--

ROI Calculator — Complete Guide

Return on investment answers a single blunt question: for every unit of money I put in, how much came back? It is the most widely used performance measure in business and investing precisely because it is so simple.

What this calculator does

Enter the amount invested, what the investment is worth now, any extra costs, and optionally how long you held it. It returns the ROI percentage, the net profit, the money multiple and — if you gave a holding period — the annualised return.

The formula

ROI = (final value − total cost) ÷ total cost × 100
CAGR = (final value ÷ total cost)^1/n − 1

Total cost means the amount invested plus any fees. Ignoring fees quietly overstates every result, so enter them when you have them.

A worked example

Invest $10,000, pay $200 in fees, and sell for $13,000 after three years. Total cost is $10,200, profit is $2,800, and ROI is 2,800 ÷ 10,200 = 27.45%. Annualised, that is (13,000 ÷ 10,200)^1/3 − 1 = 8.43% a year.

Invested	Final	Years	ROI	CAGR
$10,000	$13,000	3	30.0%	9.1%
$10,000	$20,000	10	100.0%	7.2%
$50,000	$48,000	2	−4.0%	−2.0%

Where ROI misleads

Time is invisible. A 50% ROI is excellent in one year and mediocre over ten. Always pair ROI with CAGR.
Risk is not in the number. A 40% return that could have been −40% is not the same as a steady 8%.
Cash flows are ignored. Simple ROI assumes no money went in or out along the way; for that you need IRR.
Comparisons must be like-for-like. Use the same cost basis and the same period.

Used with a holding period and honest costs, ROI is still the fastest way to sanity-check whether a deal is worth doing.

投资回报率计算器完整使用指南

投资回报率（ROI）只回答一个很直接的问题：我每投进去一个单位的钱，收回来多少？正因为足够简单，它成了商业和投资中最常用的绩效指标。

这个计算器能做什么

输入投入金额、投资现在值多少、额外成本，以及（可选的）持有年数。它会给出 ROI 百分比、净收益、回报倍数；如果你填了持有年数，还会给出年化收益率。

计算公式

ROI = (最终价值 − 总成本) ÷ 总成本 × 100
CAGR = (最终价值 ÷ 总成本)^1/n − 1

总成本 = 投入金额 + 各类费用。忽略费用会悄悄高估每一份结果，所以有费用就填上。

算例演示

投入 10000 元，手续费 200 元，三年后卖出收回 13000 元。总成本 10200 元，净收益 2800 元，ROI = 2800 ÷ 10200 = 27.45%。年化后为 (13000 ÷ 10200)^1/3 − 1 = 8.43%。

投入	收回	年限	ROI	年化
10000 元	13000 元	3 年	30.0%	9.1%
10000 元	20000 元	10 年	100.0%	7.2%
50000 元	48000 元	2 年	−4.0%	−2.0%

ROI 容易误导人的地方

看不出时间。 50% 的回报率，一年做到很优秀，十年做到就很一般。所以 ROI 一定要配 CAGR。
不含风险。 可能亏 40% 的 40% 收益，和稳定 8% 完全不是一回事。
忽略现金流。 简单 ROI 假设中途没有追加或赎回；要处理这个得用 IRR。
比较必须同口径。 成本基数与时间区间要一致。

只要配上持有年数和诚实的成本，ROI 仍然是快速判断一笔生意值不值得做的最快方式。

Frequently Asked Questions

What is a good ROI?

It depends on risk. Broad stock market indices have historically returned about 7-10% a year before inflation. A safe savings account might pay 3-4%. Anything far above those figures usually carries proportionally higher risk.

How is ROI different from CAGR?

ROI measures the total gain over the whole holding period; CAGR restates it as a smooth annual rate. Doubling your money in 10 years is a 100% ROI but only a 7.2% CAGR — the second number is what you compare across investments.

Does ROI include costs?

Only if you put them in. Fees, commissions, taxes and maintenance should be added to the Extra Costs field, because they reduce the money that actually comes back to you.

Last reviewed: October 5, 2026 · How we calculate · Sources: SEC investor bulletins, CFA Institute