Finance & Money
Investment Return Calculator
Use this investment return calculator to separate total gain from percentage return and annualized return.
ROI
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- Gain or loss
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- Annualized return
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Student quick launch
Grade planning, algebra checks, and formulas students reach for most.
Study path
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Follow these when you want the formula behind the answer, a short lesson, or nearby tools in the same topic.
What the investment return calculator solves
Use this investment return calculator to separate total gain from percentage return and annualized return.
Formula
How to use it
- Enter starting investment.
- Enter ending value.
- Add contributions and holding period.
How to read the answer
ROI measures total return. Annualized return spreads that return over time for easier comparison.
Common mistakes and edge cases
- Cash flows during the period can make exact performance more complex.
- ROI does not include taxes unless you include them in ending value.
- Annualized return assumes smooth compounding.
Worked examples
Positive return
ROI
25.00%
Loss scenario
ROI
-15.00%
Frequently asked questions
Is ROI the same as annualized return?+
No. ROI is total return over the whole period; annualized return converts it to a yearly compound rate.
How should I handle dividends?+
Include reinvested dividends in ending value or include cash dividends as part of ending value for a total return estimate.
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Last updated: May 8, 2026