ROI Calculator
Last updated: November 4, 2026
Calculate net profit, return on investment, and annualized ROI.
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Quick summary: Separate modeled costs, total received value and net gain, with an optional annualized equivalent for an end-of-period scenario.
Read the complete guide
Updated reference sections in this guide are in English.
Count costs and received value consistently
Enter the initial cost, any additional costs included in your comparison, and the total amount received or remaining value at the end. The received amount includes the recovery of invested principal; it is not just the gain. When combining a final asset value and distributions, avoid counting a distribution twice if it is already reflected in another entered amount.
Total return and an annualized equivalent
Net gain or loss = received value − total cost
ROI = net gain ÷ total cost × 100
Annualized equivalent = [(received value ÷ total cost)1/years − 1] × 100
Annualization treats all included costs as paid at the start and all receipts as received at the end. It compresses the whole interval into one equivalent annual growth rate. It does not use the actual dates of intermediate deposits, payments or distributions.
An example where time changes the interpretation
1,100 of modeled costs and 1,320 received
Initial cost 1,000 plus additional costs of 100 gives a cost basis of 1,100. The gain is 220 and the total ROI is 20%. Over two years, the annualized equivalent is approximately 9.544512%, because 1,100 multiplied by 1.2 reaches 1,320 over the entire period.
A loss and a zero-cost boundary
Receiving 800 against 1,000 of costs gives a −20% ROI. Receiving an amount against zero modeled cost still allows an amount gain to be shown, but percentage ROI is undefined, not zero.
Check this scenario in the calculator:
- Initial cost
- 1000
- Additional costs included in the model
- 100
- Total received amount or ending value
- 1320
- Elapsed time in years
- 2
- Show an annualized equivalent?
- Yes — treat receipts as received at the end
- Currency (display only)
- USD — US dollar
When to use a dated cash-flow model instead
The annualized equivalent is not a money-weighted return for irregular cash flows. Costs paid later and proceeds received earlier can produce a different result under a model that uses their actual dates. The calculator also does not apply tax rules, financing costs, inflation or fees you do not enter. An entered future value is a scenario assumption, not a predicted sale price or a promised return. Extremely large annualized results can fall outside the supported numeric range even when an amount gain is calculable.
ROI questions
Why divide by cost instead of the received amount?
ROI compares the gain or loss with the resources used to obtain it. The received amount is not the denominator in the stated formula.
Can I set elapsed time to zero?
Only when annualization is switched off. An annualized equivalent needs a positive time interval.
Does 20% total ROI mean 20% each year?
No. Total ROI covers the whole selected scenario. The annualized figure uses a separate compounding calculation and timing assumption.