ROI Calculator

Use this free ROI calculator to estimate gain or loss and return on investment percentage from initial investment, ending value, income, and costs.

All tools

Formula steps Estimate limits shown Examples included Private history

Initial investment ($)Ending value ($)Income received ($)Costs paid ($)

Estimated gain28.5%

Gain divided by $10,000

Gain or loss: $2,850.00
Ending value: $12,500.00

Formula steps

Add ending value and income.
Subtract costs and initial investment.
Divide gain or loss by initial investment.

How to use the roi calculator

Enter the requested dollar amounts, rates, terms, tax settings, or contribution details.
Use rates as percentages, such as 6.5 for 6.5%, and check whether a field asks for a monthly or annual amount.
Press the calculate button to see the answer, supporting metrics, and formula steps.
Use the result as a planning estimate only, then copy it if the assumptions look right.

Common uses

Calculate simple investment ROI.

Include income and costs in the gain calculation.

Check whether a project produced a positive or negative return.

Use before comparing with IRR or payback period.

Examples

Investment gain $10,000 grows to $12,500 plus income

ROI estimate

Small project $3,000 project ending at $3,900

Simple ROI

Loss check Lower ending value with some income

Negative ROI check

Frequently asked questions

Plain-language answers about when to use the estimate, what your numbers mean, what is left out, and how privacy works.

When should I use the ROI Calculator?

Use it for early planning and side-by-side comparisons, especially for tasks like these: Calculate simple investment ROI. Include income and costs in the gain calculation. Treat the answer as a planning estimate, not a final quote.

What is the ROI Calculator doing with my numbers?

In plain language: The calculator adds ending value and income, subtracts costs and initial investment, then divides gain or loss by the initial investment. If the result seems too high or too low, first check whether each field expects a monthly amount, annual amount, dollar value, or percent.

What does this estimate leave out?

Simple ROI does not adjust for time, compounding, risk, taxes, inflation, financing, or cash-flow timing. Real finance decisions can also depend on fees, timing, local rules, credit details, and provider-specific terms.

Does the site save my finance inputs?

No. The calculator runs in your browser tab. Recent answers stay only on the page while you use it, and they are not sent to a server.