ROI Calculator
Total and annualised return on an investment.
Your figures
Result
How to use this tool
- Enter your own figures over the defaults — Amount invested, Amount returned, Holding period.
- The answer updates as you type. There is no button, and nothing is sent anywhere.
- Change Amount returned on its own to see how much it moves the result — the worked example below shows exactly that.
The annualised figure matters more than the total when comparing investments held for different periods. A 50% return over ten years is far worse than 20% over two.
How it works
This takes 3 inputs — amount invested, amount returned, holding period — and returns total return, profit and annualised return. The whole calculation happens in this page as you type: there is no submit button, no request, and nothing stored.
Because it recalculates on every keystroke you can use it as a sensitivity test rather than a one-shot answer. Moving amount returned alone from 13,500 to 14,850 changes total return from 35.0% to 48.5% — the worked example below sets that out in full.
A worked example
Worked through with the figures the page already has in it: amount invested of 10,000 and amount returned of 13,500, and the rest as shown, giving total return of 35.0%. These numbers come from running the calculator’s own code, not from being typed in here, so they cannot drift away from what you see on screen.
Starting from:
- Amount invested: 10,000
- Amount returned: 13,500
- Holding period: 3 years
| Result | Value |
|---|---|
| Total return | 35.0% |
| Profit | 3,500.00 |
| Annualised return | 10.5% |
What happens when one input moves
Holding everything else steady and changing Amount returned from 13,500 to 14,850 — 10% — moves the answer like this:
| Figure | 13,500 | 14,850 |
|---|---|---|
| Total return | 35.0% | 48.5% |
| Profit | 3,500.00 | 4,850.00 |
| Annualised return | 10.5% | 14.1% |
That is usually the number worth arguing over: it is easier to move than the headline amount, and the difference compounds across the whole term.
ROI Calculator — frequently asked questions
What is the difference between total and annualised return?
Total return is the overall percentage gain. Annualised return is the equivalent constant yearly rate, which is what lets you compare investments held for different lengths of time.
Does this account for additional contributions?
No. It compares a single amount in against a single amount out. For regular contributions use the compound interest calculator.
Should I include costs?
Yes. Enter the full amount invested including fees, and the amount actually received after costs and tax, for a realistic figure.
Is this calculator free?
Yes, with no account, no limits and no data collection. It runs entirely in your browser.
Should I rely on this for a financial or medical decision?
No. It is a planning estimate built on standard formulas and stated assumptions. For decisions that matter, speak to a qualified professional who can account for your full circumstances.
How accurate is the ROI figure?
The arithmetic is exact. With the defaults on this page — amount invested 10000, amount returned 13500, holding period 3 years — it returns total return of 35.0%. What limits accuracy is the assumptions, not the maths: change amount returned to 14850 and the same formula gives 48.5%. Treat it as a well-founded estimate, not a quotation.
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Background reading: Loan, Mortgage and Investment Calculators Explained
Nothing is sent anywhere. The figures you type stay in this page and are never transmitted or stored — how that works.
Disclaimer. The formula is exact; the answer is only as good as the figures and assumptions above. Not financial, tax, medical or legal advice. Full disclaimer.