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How it works
Formula & explanation
ROI Calculator uses the following calculation:
ROI = (Gain − Cost) / Cost × 100
This is a simplified model intended for planning and education. Real-world offers from lenders, institutions, or tax authorities may include additional fees, rules, or adjustments not reflected here.
FAQ
Frequently asked questions
What counts as 'gain' in this formula?
The total value you received back, including any income or proceeds — not just the profit portion.
Why also show annualized ROI?
Total ROI doesn't account for how long your money was tied up; annualizing lets you compare investments held for different periods on equal footing.
Is ROI the same as IRR?
No — ROI is a simple ratio, while IRR accounts for the timing of multiple cash flows, making IRR more precise for multi-period investments.
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