ROI Calculator
Calculate return on investment, profit and annualized return.
Educational estimate only. This is not financial, investment, tax, legal or lending advice, a quote or a guarantee. Read the disclaimer.
Your inputs
How this calculator works
Initial investment must be positive and final value nonnegative. A final value of zero represents a 100% loss. Annualized return requires a positive holding period; otherwise it is not applicable. Assumes one initial outflow and one final value, with no intermediate deposits, withdrawals or distributions. Include relevant costs in your own inputs; taxes and fees are not added automatically. This is not IRR and does not measure risk or predict future returns.
Dollar results are in USD and generally rounded to the nearest whole dollar; salary equivalents and percentage outputs use two decimal places. Calculations retain JavaScript floating-point precision between steps rather than rounding every payment to cents. Displayed components may not sum exactly to displayed totals. Payoff times use whole monthly payment periods. Defaults are examples, not current rates or recommendations.
Full methodology · About the publisher and corrections
Content and calculation checks: October 12, 2026. Educational estimates; no independent professional certification is claimed.
Worked example: $10,000 grows to $13,500
An initial $10,000 that ends at $13,500 produces a $3,500 profit and a simple ROI of 35%. Over a three-year holding period, the calculator’s annualized return is about 10.52%.
ROI alone does not capture risk, taxes, fees, interim cash flows or opportunity cost.
Practical guide
Choose the right return measure
- Use simple ROI for a basic gain relative to the initial amount.
- Use annualized return when comparing investments held for different lengths of time.
- If there are multiple deposits or withdrawals, a simple beginning/end model can be misleading.
- For recurring-contribution projections, use the Investment Calculator.
How to use the result
Change one assumption at a time to compare scenarios. For example, test a lower rate, larger contribution, different term or extra payment. This makes the calculator most useful as a decision-support tool rather than a single-number answer.
Important financial decisions can depend on taxes, fees, eligibility rules, lender policies, market returns and personal circumstances that this simplified calculator does not capture.
Frequently asked questions
Is this roi calculator free?
Yes. SumStride calculators are free to use and do not require an account.
Are the results exact?
No. Results are estimates based on the values you enter and the assumptions described on this page. Real-world fees, taxes, rates, policies and timing can differ.
Does SumStride save my inputs?
No account is required. The calculator runs in your browser; SumStride does not need your entered values to perform the calculation.