ROI Calculator - Percentage, Net Profit & Annualized ROI

Investment Details

ROI percentage and net profit from the amount invested and the amount returned, plus annualized ROI for investments held a year or more.

Enter Amount Invested

Enter Amount Returned

Set Time Period

View ROI Results

This ROI treats the return as one lump event and leaves out taxes. Add fees to the amount invested. The same ROI over three months and over three years means very different things. Switch to Annualized mode to compare holds of a year or more, and consult a financial advisor before comparing investments.

Formulas and sources

Each formula this calculator uses, where it comes from, and what it leaves out. "How it works" shows the same formula with your own numbers.

Return on investment

Simple and Annualized modes

ROI = (R - I) ÷ I × 100
ROI
return on investment, as a percentage
R
amount returned: everything you got back, including income and the original amount
I
amount invested: the total cost, fees included

Net profit, shown beside it, is R - I.

Source: Uses the formula in FINRA's "Calculating Your Investment Returns" [1]. Its worked example, $2,020 invested and $2,540 back, gives about $520 or 25.7%; this tool gives $520.00 and 25.74%.

Annualized ROI

Annualized mode, for a hold of one year or more

Annualized ROI = (R ÷ I)^(1 ÷ Years) - 1
Annualized ROI
the yearly rate that compounds to the same total, shown as a percentage
R
amount returned
I
amount invested
Years
the hold in years: months ÷ 12, days ÷ 365

A hold shorter than one year shows "Not annualized" instead of a rate. FINRA's example over 3 years gives 7.92% from its rounded 25.7% (its text prints 7.792, a typo for the formula image's 0.0792); unrounded, the same inputs give 7.93% here.

Source: Uses the formula in FINRA's guide [1], where 1 + total return = R ÷ I. Holds under one year are not annualized, the same cut-off GIPS 2020 sets for the returns firms report, provision 2.A.12 [2].

Reading bands

Annualized mode

Loss
below 0%
Conservative
0% to 7%
Target
7% to 15%
High Growth
15% or more

The band is read from the annualized ROI as shown, to two decimals, and an edge belongs to the higher band: 6.996% shows as 7.00% and reads Target.

Source: CalcTrail's own bands for reading the figure; no publisher. They are not a benchmark for any asset; FINRA's guide says to compare like with like [1].

Sources

  1. Financial Industry Regulatory Authority (FINRA). Calculating Your Investment Returns, sections "Calculating Return on Investment" and "Calculating Annualized Returns". December 4, 2024.
  2. CFA Institute. Global Investment Performance Standards (GIPS) for Firms, provision 2.A.12. 2020 edition.

What this calculator does not cover

  • Taxes, inflation and risk are not modeled. Fees and income count only if you add them to the two amounts, as FINRA's example does.
  • It takes one amount in and one amount out, so deposits or withdrawals during the hold are not followed.
  • Years are counted as months ÷ 12 or days ÷ 365, not by an actual-day calendar.

Sources checked on .

Help

Quick Start Guide

  1. Enter Amount Invested: Input the total amount you invested or spent on the initiative, fees included.
  2. Enter Amount Returned: Input the total amount you received back, including the original investment.
  3. Set Time Period: Switch to Annualized mode and enter how long you held the investment (a year or more is annualized).
  4. View ROI Results: See your ROI percentage and net profit or loss, and in Annualized mode the annualized return rate.
  5. See the Reading Band: In Annualized mode, see which of CalcTrail's reading bands your return falls in: Loss, Conservative, Target or High Growth.
  6. Export Analysis: Export your ROI analysis as JSON, CSV or PDF for presentations or records.

Frequently Asked Questions

ROI = (R - I) ÷ I × 100, where R is the amount returned and I the amount invested; R - I is the net profit. For example, if you invest $1,000 and get $1,300 back, your ROI is (1,300 - 1,000) ÷ 1,000 × 100 = 30%.

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