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ROI + IRR + payback + sensitivity. 6 investment types.
| Metric | Worst case | Expected | Best case |
|---|---|---|---|
| Final value | 12000 | 15000 | 18000 |
| ROI % | 20 | 50 | 80 |
An ROI calculator computes Return on Investment from initial outlay + final value (or full cash-flow schedule). This one ships 5 metrics: basic ROI, annualized ROI, Internal Rate of Return (IRR), payback period, and sensitivity analysis (best/expected/worst case at ±20% variance).
Most online ROI tools only give basic ROI. We add IRR -which accounts for cash-flow timing -and payback period for risk assessment. 6 investment-type presets (Stocks, Real Estate, Business, Crypto, Savings, Custom). Browser-only.
Yes. Unlimited use, no signup. Calculator.net's ROI tool is free but ad-heavy and only ships basic ROI; we add IRR, payback period, and sensitivity analysis.
Return on Investment. (Final value - Initial investment) / Initial investment * 100. A $1000 investment that grew to $1500 has 50% ROI. Doesn't account for time -use annualized ROI for that.
IRR (Internal Rate of Return) accounts for the timing of cash flows. A 50% return over 1 year is much better than 50% over 5 years. IRR finds the annual rate that makes the project's NPV zero -more useful for comparing investments with different timelines.
Number of years until cumulative cash inflows equal the initial outflow. A $10K investment that returns $4K/year has a 2.5-year payback. Useful for risk assessment -shorter payback = less risk.
Six: Stocks/ETFs, Real Estate, Business/Startup, Crypto, Savings/HYSA, Custom. Each affects the default inputs and notes but the math is the same -they're labels for context.
Shows ROI under best-case (final value 20% higher), expected, and worst-case (20% lower) scenarios. Helps you decide if an investment is robust to assumption errors. Common variance: 20% for stocks, 30%+ for startups.
Yes. Use the cash-flow tab: year 0 = -investment, years 1-N = returns. The tool computes IRR + payback from the full schedule, not just initial and final values.
No. ROI shown is pre-tax. For after-tax ROI, multiply by (1 - your marginal tax rate). E.g., 50% pre-tax * 0.75 (25% tax) = 37.5% after-tax.
Depends on risk. Savings: 4-5% APY is good. Index funds: ~10% annualized historically. Real estate: 8-12% with leverage. Startups: 25%+ targeted (but most lose). Always compare to risk-free rate (Treasury yield).
Yes. Math runs in your browser. Your investment amounts, projected returns stay on your laptop.
ROI + IRR + payback + sensitivity. Free unlimited.
Open the calculatorThe ROI Calculator page is built, reviewed, and maintained by the Molixa team. We use the tool we ship and update the docs when the behavior changes.