Accurate ROI Calculator
For reference, per the Wall Street Journal, the U.S. S&P 500 index gained about 23% in 2024.
This ROI calculator (return-on-investment) calculates an annualized ROR (rate-of-return) using exact dates. This financial calculator allows you to compare the results of different investments.
The Calculator-Calculate the Return on Investment Between Dates
To set your preferred currency and date format, click the “$ : MM/DD/YYYY” link in the lower-right corner of any calculator.
Information
Quickly
Pick a Date
As a side benefit of this calculator’s date accuracy, you can also use it for date math calculations. It will calculate the date that is “X” days from the start date, or, given two dates, it will calculate the number of days between them.
Calendar Tip: When using the calendar, click the month at the top to list months. Then, if needed, click the year at the top to list years. Click to select a year, select a month, and select a day. You may also scroll through months and days. Or click “Today” to quickly select the current date.
If you prefer not to use the calendar, single-click a date or use the [Tab] key (or [Shift][Tab]) to select a date. Then type 8 digits only — no separators. Because the date is selected, you do not need to clear the prior value. If your selected format is mm/dd/yyyy, then for March 15, 2023, type 03152023.
Your desired ROR
At times, a user may need to know what to pay for an investment to achieve a desired return-on-investment, or what price to sell for after entering the investment.
With the most recent update, this calculator can perform either calculation. All the user needs to do is provide the goal ROI (and click “Calc” to update). The calculator calculates the adjustment amount required for both the initial investment and the final value. It also calculates the absolute amount for both.
To double-check the accuracy of the results, copy and paste the value into the appropriate field and recalculate. The ROI should now equal your goal ROI (plus or minus a minimal rounding amount).
And now for an essential word about ROI/ROR financial calculators.
Because different calculators may use different equations, do not compare the result from one ROI calculator for an investment with the result from another calculator for a different investment. Always use the same calculator to compare two investments.
Return-on-Investment (ROI) Calculator Help
What is ROI?
ROI, or return-on-investment, is the annualized percentage gained or lost on an investment (ROR, or rate-of-return, is the same calculation).
Enter the “Amount Invested” and the date the investment was made (“Start Date”). Enter the total “Amount Returned” and the end date.
You can adjust the dates by changing the number of days. Enter a negative number to move the “Start Date” earlier. As you change either date, the “Number of Days” value will update automatically.
The results show the percentage gain or loss on the investment, as well as the annualized gain or loss, both expressed as percentages. The annualized return allows you to compare one investment to another.
Example: If you bought $25,000 of a stock on January 2, 2024 and sold it for $33,000 on June 7, 2025, you would gain $8,000 (32%). The annualized gain is 21.4%.
Now assume a second investment made on January 2, 2024 for $10,000, sold for $11,000 on March 1, 2024 (a leap year). The gain is $1,000, or 10%. However, the annualized gain is 82.3%. Ignoring risk (which can be very dangerous), the latter investment would generally be considered better.
Mark says:
How do i calculate ROI on my super to see if my super has made good investments or not?
Opening balance : 58832.40
Closing balance : 67925.54
For financial year
Employer contributions was : 7448.87
Fees : 2291.56
Return : 3935.83
Sir how would i know if my super has done good job in this financial year?.please advise
Karl says:
Since your requirement involves additional contributions and fees, you can’t use the ROI calculator.
Rather, please use this calculator. The IRR calculator is designed to calculate an annualized rate-of-return and the user can make adjustments during the year (or over multiple years).
If you try it, and have questions, please ask. Or I would also appreciate hearing how you make out or what you think.
Mohamed Salah says:
please help
if i have a land with 19M
and an improvements on assets with 6M
so here would i calculate the total invested amount on 25M or only 6M
with the knowledge that total returns for 15 years will be 20,092,368
Karl says:
First of all, I don’t think you should be using this ROI calculator. It’s not meant for a calculation that has a cash flow.
Please look at this IRR calculator. It’s designed to calculate a rate of return with a cash flow, which I assume the property is throwing off. Yes, you should include both the property cost and improvements in the cash flow. Then for final value, include the value of the land as well (as it might appreciate).
Check out the suggested calculator, and if you have questions, just ask.
Paul White says:
Hey Karl, great calculator. If I want to compute this by hand, what is the math? thank you, paul
Karl says:
Thank you. I only answer two types of questions. What calculator should I use to solve X problem? And questions about how to use a calculator.
Paul White says:
Ok, thanks!
Deepak bedi says:
Hi
Let’s say if I started my portfolio with $100000 in 1st jan 2019
And I added another 50000 k on 1st March 2019. ( aa capital )
Then again I added another 20k on oct 1st 2019
And end of 2019 my total portfolio value is say $ 200000
So what is my ROI for year 2019
Please reply
Karl says:
That’s an easy calculation. You just need to use a different calculator.
Please use the IRR calculator (internal-rate-of-return). This calculator allows the user to have various investments (and withdrawals). The ROI calculator, as you have discovered, only is for when there is a single amount invested.
David Fonseca says:
If I invest $500,000 (options for 400K, 300K, 200K and 100K, depending on the number of investors with a maximum of 5) in a real estate venture where I am paid quarterly payments of 8% that are interest only, and at the end of 5 years I am paid all of my $500,000 back (owner refinancing to pay off investors and I have to accept my investment back at that time), what is my total return? I will have a lien on the property as collateral.
In above question, I forgot to state that owner will pay the $500K back as well as 40% of the appraised increase in the property value.
Karl says:
First, you’ll need to use the IRR Calculator. The internal-rate-of-return is an ROI calculation with a cash flow. Briefly, you’ll enter the $500,000 investment and then the interest received. The final entry should be the total case amount you expect to receive if you were to fully liquidate the investment.
Once you look at the recommended calculator, if you have any questions, just ask them.
Judy Bouey says:
If I invest 100k on 1/1 and withdraw 10k at the beginning of every quarter thereafter (let’s assume 30k total)and my balance on 12/31 is 125k, how do I calculate my annual rate of return?
Karl says:
You’ll need to use the IRR Calculator. The internal-rate-of-return calculator calculates a rate-of-return when there’s a cash flow. Briefly, you’ll enter the $100,000 investment and then the $10,000 withdrawals. The final entry should be the total cash amount ($125,000) you expect to receive if you were to fully liquidate the investment.
Once you look at the recommended calculator, if you have any questions, just ask them.
Amanda Aceves says:
Hello, i invested in land in Mexico – Bacalar,
$ 20,000.00 USD, 15/12/2019 i bought the land,
now in days 21/07/2020 the actual price is $ 70,000.00 USD, im going to sell it and is moving forward 🙂
how do I calculate my ROI.
Regards.
Karl says:
hi, please fill in the calculator this way:
Amount Invested (PV)?: $20,000.00 Amount Returned (FV)?: $70,000.00 Days (-9,999 < # < 47,482)?: 219 Start Date (year > 1969)?: Dec 15, 2019 End Date (year < 2100)?: Jul 21, 2020R. Edwards says:
Hello,
I’m trying to calculate the annual R.O.I. for the following:
Four different invested amounts at various intervals over a two year period, then the return of a portion about six months later and a total value two years after that.
Thank You
Karl says:
You’ll need to use the internal rate-of-return calculator. That calculator allows the user to enter multiple cash flows.