Investment Return ROI Calculator

Work out the return on an investment: the total ROI percentage, the money gained, and the annualized year-on-year return, for a lump sum or for money added every month.

Pick a scenario
How was the money invested?
Advanced: currency symbol
Total return on investment
0%
Enter your figures to see a result.
Money in0
Money out (final value)0
Total gain0
Total ROI0%
Annualized return0%
Where the final value comes from

The bar splits the final value into the money you put in and the gain it produced.

Year-by-year value at the annualized rate
End of yearMoney in so farProjected valueGain so far

Each row grows the investment by the annualized return, so the final row matches the value you entered.

For beginners: how to read this result
ROI is a percentage of what you put inTotal ROI is the gain divided by the money you invested. A 45% ROI means that for every 100 units you put in, you ended up with 145.
Annualized return spreads it over timeA 45% gain over five years is not 45% a year. The annualized return is the steady yearly rate that, compounded each year, turns the start value into the end value.
Two modes for two situationsUse Lump sum for a single one-off investment. Use regular contributions when you also added a fixed amount every month, so the money-in figure includes every deposit.
It is a nominal figureThe result does not subtract inflation, tax or fees. A positive ROI can still lose buying power once those are taken into account.
This is an estimate based only on the figures you enter. It does not account for inflation, tax on gains or dividends, platform or trading fees, or irregular deposits and withdrawals. Regular contributions are assumed to be a level monthly amount, and the annualized return in that mode is an approximation because deposits are made at different times. Past returns do not predict future returns.

To get a result, choose a preset scenario or enter your own figures: the money you put in, the final value of the investment, and how long it was held. Pick an investment type and the calculator returns the total ROI, the gain in money, and the annualized return.

The two investment types

The toggle changes which input fields appear and how the money-in figure is built.

  • Lump sum — a single one-off investment with no further deposits. You enter the amount invested, the final value and the holding period. The monthly-contribution field is hidden in this mode.
  • With regular contributions — a starting amount plus a fixed amount added every month. The monthly-contribution field appears, and the money-in figure includes the starting amount plus every monthly deposit.

How the math works

Total ROI is the gain divided by the money you put in: ROI equals (final value minus money in) divided by money in, shown as a percentage. The gain is simply the final value minus the money in. The annualized return is the steady yearly rate that turns the start value into the end value. For a lump sum it is the compound annual growth rate: final value divided by amount invested, raised to the power of one divided by the number of years, minus one. With regular contributions the deposits are made at different times, so the calculator solves for the monthly rate that grows the starting amount and the stream of monthly deposits to the final value, then converts it to a yearly rate. That figure is labelled approximate because the timing of each deposit affects the true result.

How to read the result

The headline is the total ROI percentage. The breakdown shows money in, money out, the gain or loss, the ROI and the annualized return. The bar splits the final value into the money you put in and the gain on top, so you can see at a glance how much of the result is your own capital. The year-by-year table grows the investment at the annualized rate, so the last row matches the final value you entered.

What is not included

This is an estimate. It does not subtract inflation, so the result is a nominal return rather than a real one. It ignores tax on gains and dividends, platform and trading fees, and any irregular one-off deposits or withdrawals. In contributions mode the monthly deposit is assumed to be a level amount. Reinvested dividends only count if you have already included them in the final value. Past returns do not predict future returns, so treat the result as a measurement of what happened, not a forecast.