Return on investment · Free calculator
ROI Calculator
Enter what you put in, what it's worth now, and how long you held it — get your total return, annualized rate, and net gain in seconds.
Your investment
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$0$1M
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$0$1M
yrs
030 yrs
Total ROI
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Annualized
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CAGR
Net gain
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Final value
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Breakdown —
Initial investment Gain
vs. benchmarks
S&P 500 (10%/yr) —
HYSA (4.5%/yr) —
Inflation (3%/yr) —
Total ROI vs. Annualized ROI
Total ROI tells you the overall percentage gain or loss: if you invested $10,000 and it's worth $15,000, your total ROI is 50%.
Annualized ROI (CAGR) converts that into a per-year rate, making it easy to compare investments held for different lengths of time. A 50% total ROI over 3 years is a 14.5% annualized return.
What counts as a good ROI?
- Below 3%/yr — Likely losing to inflation in real terms
- 4–5%/yr — Roughly matches a high-yield savings account
- 7–10%/yr — Historically in line with broad stock market returns
- Above 15%/yr — Strong; verify it's consistent, not a single good year