ROI Calculator (Return on Investment)
Enter what you put in and what you got out to get your ROI, net gain, and (with a time period) your annualized return — then see it against the ~10%/yr S&P 500 average.
Where you land
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Learn moreTotal vs annualized ROI
Basic ROI is net gain divided by cost. But a 50% return over 3 years is very different from 50% in one year, so the annualized figure — the compound yearly rate — is the fair way to compare investments of different lengths. The long-run benchmark most people measure against is the S&P 500 at roughly 10%/year nominal.
How it’s calculated & sources
ROI = (final value − cost) ÷ cost. Annualized = (final ÷ cost)^(1÷years) − 1. Compared to the ~10%/yr long-run S&P 500 average.
Benchmark: S&P 500 long-run average total return ~10%/yr nominal (~6.5–7% after inflation), 1926–2025.
Results update as you type and are general estimates, not personalized advice. Verify with a professional.
Worked example
Turning $10,000 into $15,000 is a 50% ROI and a $5,000 gain. Over 3 years that is about 14.5%/yr annualized — ahead of the ~10% market average.
Frequently asked questions
Total ROI or annualized \u2014 which matters?
Annualized, when comparing investments held for different lengths of time. Total ROI ignores how long your money was tied up.
Does this include dividends or fees?
Use a final value that already includes dividends/interest received and subtracts fees for the most accurate result.
What is a good ROI?
Depends on risk, but beating the ~10%/yr stock-market average over the long run is a common bar.