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ROI Calculator

Math

Compute return on investment percent from an initial and final value, plus the annualized return given an optional holding period in years.

Enter what you put in and what you got back to see the return on investment as a plain percentage, plus the profit or loss in the same units you entered. Add an optional holding period in years and it also computes the annualized return (CAGR), which is the constant yearly growth rate that would take the initial value to the final value over that span. This is different from the present-value or compound-interest calculators on this site, which grow a sum forward at a rate you already know. Here the rate is unknown, you're working backward from an actual start and end value, which is the more common situation when you're evaluating how an investment actually performed rather than projecting one forward.

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How to use ROI Calculator

  • 1.Enter the initial value (what you invested) and the final value (what it's worth now or when you sold it).
  • 2.Optionally enter a holding period in years to also see the annualized (CAGR) return, useful for comparing investments held for different lengths of time.
  • 3.Leave the holding period blank if you just want the plain ROI percentage without an annualized figure.

Frequently asked questions

What's the difference between ROI and annualized return?
ROI is the total percentage gain or loss over the whole holding period. Annualized return (CAGR) spreads that same gain evenly across each year, which is the only fair way to compare two investments held for different lengths of time.
Can I use this for a loss?
Yes, a final value lower than the initial value produces a negative ROI and, if you provide a holding period, a negative annualized return.
Does it fetch real market prices?
No, this is pure arithmetic over the numbers you type in. It doesn't look up stock prices, exchange rates, or any other live data.
What if my final value is zero?
That's treated as a total loss: ROI is -100%, and if a holding period is given, the annualized return is also -100%.

Use via API, SDK, or MCP

cURL# Free: 1,000 req/day · Pro: 10,000 req/day
curl -X POST https://api.utilix.tech/v1/tools/roi-calculator \
  -H "Authorization: Bearer utx_live_..." \
  -H "Content-Type: application/json" \
  -d '{"initialValue":1000,"finalValue":1500,"years":5}'

Get an API key from your dashboard · Full API docs →

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