- Amount invested
- Net gain
- ROI
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- Annualised return
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- Net gain
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Figures are estimates for planning only, not investment or tax advice.
Return on investment compares what you got back with what you put in. This calculator gives the absolute ROI as well as the annualised figure, which is the one that lets you compare a two-year investment with a ten-year one.
The formula
ROI = (Returned − Invested) ÷ Invested × 100. Annualised return applies the CAGR formula to the same two numbers, so a 50% gain over three years is an annualised 14.5%.
What to include
Count everything the investment cost — brokerage, stamp duty, registration, maintenance — in the invested figure, and everything it returned, including rent or dividends, in the returned figure. ROI calculated on the purchase price alone flatters almost every asset, and property most of all.
Frequently asked questions
Should I use ROI or XIRR?
ROI for a single investment and exit. XIRR when money went in on several dates.
Does ROI account for inflation?
No. Subtract inflation from the annualised figure to get the real return.
Can ROI be over 100%?
Yes — it simply means you got back more than twice what you put in.