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🇺🇸 Investing · ROI Calculator · 2026

ROI Calculator 2026

Return on investment · Annualized ROI · Net profit · Payback period · Works for any investment

⚡ ROI Formula: ROI = (Net Profit ÷ Cost) × 100. A 20% ROI means you earned $20 for every $100 invested. Use annualized ROI to compare investments held for different time periods — it adjusts for time so the comparison is fair.
ROI
0%
total return
Annualized ROI
0%
per year (CAGR)
Net Profit
$0
gain / loss
Payback Period
—
to break even
Investment Details
$
Total amount invested / spent
$
Current or sale value of investment
$
Dividends, rent, or other income received
$
Fees, taxes, maintenance costs
Time Period
How long you held the investment3.0 yrs
3 months30 years
Investment Type
Total ROI
45.0%
$10,000 → $14,500 over 3 years
Net Profit
$4,500
gain on investment
Annualized ROI
13.2%
per year (CAGR)
Total Return
45.0%
on initial cost
Payback Period
—
to recover cost
CostReturn
$10,000$14,500
Investment Breakdown
Initial Cost Net Profit / Income
BenchmarkAvg Annual ROIvs Your ROI
S&P 500 (historical avg)10.0%/yr—
US Real Estate (avg)8.6%/yr—
High-Yield Savings4.5%/yr—
US Bonds (avg)3.5%/yr—
Inflation (CPI)3.0%/yr—
ROI does not account for inflation, taxes, or risk. Two investments with the same ROI can have very different risk profiles. Use annualized ROI to fairly compare investments held for different time periods. Not financial advice.

ROI Calculator — Complete Guide 2026

Return on Investment (ROI) is the most universal metric to measure how well an investment performed. Whether it's stocks, real estate, a business, or any other asset — ROI tells you exactly what you got back for every dollar you put in.

⚡ ROI Quick Reference
ROI formula(Net Profit ÷ Cost) × 100
Annualized ROI (CAGR)(Final/Initial)^(1/years) − 1
S&P 500 historical avg~10%/yr
"Good" ROI (stocks)>10%/yr
"Good" ROI (real estate)>8%/yr
Break-even ROI0% (no gain, no loss)

ROI vs Annualized ROI — Which Should You Use?

Simple ROI tells you the total return, but doesn't account for how long the investment took. A 50% ROI in 1 year is much better than 50% over 10 years.

Annualized ROI (CAGR) converts the total return into a yearly rate, making it easy to compare any two investments regardless of how long they were held. Always use annualized ROI when comparing.

What Is a Good ROI?

  • Stocks / ETFs: Anything above 10%/yr (S&P 500 average) is excellent. 7–10% is solid.
  • Real Estate: 8–12%/yr including appreciation and rental income is considered strong.
  • Business: 15–25%+ is typical for successful small businesses. Varies widely by industry.
  • Bonds / Fixed Income: 3–5%/yr is normal. Low risk, low return.
  • Minimum bar: Your ROI must beat inflation (~3%/yr) or you're losing purchasing power.
What is the difference between ROI and CAGR?+
ROI = total return as a percentage (e.g., you made 80% total). CAGR (Compound Annual Growth Rate) = what annual return would produce that same total return over the same time. Example: 80% ROI over 6 years = 10.4% CAGR. CAGR is more useful for comparing investments because it normalizes for time.
Does ROI include dividends or rental income?+
Standard ROI can include or exclude income depending on what you enter. In this calculator, use the "Additional Income" field to add dividends, rental income, or any other cash flows you received. The calculator adds this to your net profit for a complete total return calculation.
Why doesn't ROI account for risk?+
ROI only measures return, not how much risk was taken to achieve it. A 20% ROI from a savings account (very low risk) is much better than 20% from a volatile cryptocurrency (very high risk). For risk-adjusted return, look at the Sharpe Ratio, which compares return to volatility.
📌 Live Summary
Total ROI—
Annualized ROI—
Net profit—
Initial cost—
Final value—
Holding period—
💡 ROI Tips
→Always use annualized ROI when comparing investments held for different periods
→Include all costs — fees, taxes, maintenance — for a true ROI picture
→Beat inflation (3%/yr) first — otherwise your real return is negative
→Higher ROI = higher risk. Always factor in risk, not just return
📌 Related Calculators
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CAGR Calculator
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Compound Interest
Savings & investment growth
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Dividend Calculator
Income from dividends
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⚖
Break-Even Calculator
When will you profit?
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