ROI Calculator

Use it when you want to test the exact inputs on this page: Calculate simple investment ROI from one start point and one end point. Include income, fees, repairs, tax estimates, or other costs in the gain calculation. The result is a check against your assumptions, not proof that a lender, tax app, broker, platform, or provider will use the same number.

Initial investment means the starting cost or money at risk. This is the number ROI compares the gain or loss against. Ending value means what the investment, item, project, or deal is worth at the snapshot you are checking. Income received means cash returned during the period, such as dividends, rent, revenue, or rebates that are not already inside ending value. Costs paid means fees, repairs, taxes, subscriptions, commissions, financing costs, or other costs that belong in the same ROI boundary.

It uses (ending value + income - costs - initial investment) divided by initial investment, then multiplies by 100. That keeps dollar gain and percentage ROI separate.

No. This page shows simple total ROI for the numbers entered. If two investments lasted different lengths of time, also check annual return, IRR, payback period, risk, and fees.

Include them when they belong to the same deal or project. A small fee can make a simple ROI look better than the real result, especially when the gain is not large.

In plain language: The calculator adds ending value and income, subtracts costs and initial investment, then divides gain or loss by the initial investment and shows the result as a percent. For the default example: ($12,500 ending value + $600 income - $250 costs - $10,000 initial investment) / $10,000 = 0.285, so the simple ROI is 28.5% and the gain is $2,850.

ROI percent is the gain or loss compared with the starting investment. Gain or loss is the dollar amount after ending value plus income, minus costs and the starting investment.

Simple ROI does not annualize the result or adjust for holding time, compounding, risk, taxes, inflation, financing, cash-flow timing, or whether another option was safer. Use annual return, IRR, NPV, payback period, taxes, fees, risk, inflation, and professional review before choosing a real investment. A high simple ROI can still be slow, risky, or too small to matter.

Check that the starting cost, ending value, income, and costs all use the same project boundary. Do not mix one-time costs with monthly income unless that is the exact period you mean.

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.