ROI & CAGR calculator — return on investment
See what you actually made — as a total return, or as the average yearly growth rate that gets you from your starting amount to your ending amount.
Runs in your browser — your input is not uploaded to ToolsNow.
Sets currency and number formatting only.
Optional. Added to your initial cost, so it affects both ROI and CAGR.
What you put in at the start.
What it is worth now, or at the end of the period.
Estimates only. For irregular deposits or withdrawals, ROI and CAGR can mislead — use a money-weighted return (IRR/XIRR) instead.
How to use
- Pick a mode. ROI for the total return; CAGR when you also want the average yearly rate.
- Enter initial and final amounts — what you put in, and what it is worth now.
- Add fees if you want the real return after costs. They are treated as part of what you invested.
- For CAGR, add the number of years between the two amounts.
Example
€10,000 grows to €12,500 over 3 years → ROI = 25.00%, CAGR ≈ 7.72%.
Questions
What is the difference between ROI and CAGR?
ROI is the total return over the whole period, however long that was. CAGR is the smoothed yearly rate that would take you from the starting value to the ending value over that many years. A 25% ROI earned over three years is roughly 7.7% CAGR.
Where do fees fit in?
Fees are added to your initial cost, so they reduce both ROI and CAGR. That reflects the money you actually had to commit, not just the headline purchase price.
Can I use this for a portfolio I paid into over time?
Not reliably. ROI and CAGR assume a single amount in at the start and a single value at the end. For irregular deposits or withdrawals you want a money-weighted return such as IRR or XIRR.