ROI Calculator

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.