finance calculator
Measure return on investment, gain, loss, and annualized performance.
Return when final value, costs, or holding period changes so you can compare scenarios consistently.
ROI
42.86%
Formula
ROI = (Final value - Total cost) / Total costROI compares the profit from an investment with the total amount invested, including extra costs.
Step by step
Example
A $100,000 investment with $5,000 in costs and a $150,000 final value returns 42.86% overall.
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Summary
ROI
42.86%
Return compared with total cost.
Net profit
$45,000
Final value minus total cost.
Annualized ROI
19.52%
Time-adjusted return estimate.
Total cost
$105,000
24 month holding period.
D3 visualization
Compare the total invested cost with the final value and net profit.
D3 visualization
Separate the starting investment from additional costs included in ROI.
Guide
The ROI calculator measures the return on an investment by comparing final value against total cost. Total cost includes the initial investment and any additional costs entered by the user.
It also estimates annualized ROI so a short-term gain and long-term gain can be compared more fairly.
Enter the initial investment, final value, additional costs, and duration in months. Review ROI, net profit, total cost, and annualized ROI together.
Use the charts to see whether the result is driven by real profit or by ignoring costs. Costs can materially change the return percentage.
ROI equals net profit divided by total cost. Net profit equals final value minus total cost. Annualized ROI adjusts the return for the holding period.
This is a simplified planning estimate and does not account for taxes, risk, volatility, financing, or timing of cash flows.
Net profit
Final value minus all costs included in the scenario.
Total cost
Initial investment plus extra costs.
Annualized return
A time-adjusted return estimate used for comparison.
Fees, repairs, commissions, and other costs reduce true profit and should be included when comparing returns.
Annualized ROI converts the total return into an estimated yearly rate based on the duration.
Yes. If final value is below total cost, net profit and ROI will be negative.