Total ROI vs annualized
A 100% total return over 10 years is much worse than a 100% return over 2 years. Always compare investments using annualized ROI (CAGR), which converts any time period into the equivalent constant annual rate.
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ROI Calculator
Calculate return on investment (ROI) and annualized ROI for any investment with a start value, end value, and holding period.
What it means
About this calculator.
What ROI doesn't include
Taxes, fees, dividends reinvested, contributions over time — none of those are in this number. For a portfolio with ongoing deposits, use the compound interest calculator instead.
FAQ
Questions people usually have.
What's a "good" ROI?
Depends on risk. T-bills yield ~4–5%. The S&P 500 has returned ~10% nominal long-term. A specific stock returning 15% annualized over 10 years is excellent. Anything beating the index after fees and taxes is genuinely impressive.
Why does my brokerage's "return" number differ?
Brokerages typically compute money-weighted return (IRR), which accounts for when you added or removed money. This calculator does time-weighted ROI assuming a single lump-sum investment.
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