Calculate ROI percentage, annualized returns (CAGR), and total gains on your investments including dividends
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How well did your investment perform? Our ROI calculator shows total return percentage, annualized ROI (CAGR), and absolute gains. Compare investments of different sizes and time periods to see which performed better.
ROI (Return on Investment) shows total percentage gain or loss. CAGR (Compound Annual Growth Rate) annualizes the return for fair comparison across different time periods. An investment that doubles in 10 years has 100% ROI but only 7.2% CAGR.
ROI Formula
ROI = (Final Value - Initial Investment) / Initial Investment × 100Track portfolio performance including capital gains and dividends.
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ROI shows total return regardless of time. CAGR shows what annual return would produce the same result if compounded yearly. A 100% total ROI over 10 years equals 7.2% CAGR—very different perspectives on the same result.
Use CAGR (annualized ROI). An investment with 50% return over 5 years (8.4% CAGR) underperformed one with 30% return over 2 years (14% CAGR), even though total return was higher.
Yes! Total return includes both price appreciation and dividends. A stock that rose 5% but paid 3% in dividends actually returned 8%. Dividends are especially important for income-focused investments.
The S&P 500 historically returns about 10% annually. Beating this benchmark consistently is considered good. But compare like with like—different asset classes have different expected returns and risks.
Standard ROI is nominal (not adjusted). Real ROI subtracts inflation. If you earned 8% but inflation was 3%, your real ROI was about 5%. For long-term planning, real returns matter more.