Basic ROI, CAGR, real estate, marketing ROAS/CAC/LTV, break-even, payback period, NPV/IRR, and inflation-adjusted returns — all instant, all private.
Applies to every panel below. This is a display symbol only — no conversion rates are applied.
The core formula: ((Final Value − Initial Investment) ÷ Initial Investment) × 100.
Fairly compare investments held for different lengths of time by annualizing the return.
For investments built up through regular contributions — e.g. a monthly SIP or 401(k) contribution.
Covers cash-on-cash return, cap rate, and total ROI including appreciation.
Evaluate ad campaigns and customer economics.
Find how many units — or how long — until an investment pays for itself.
Enter Year 0 (initial outlay, as a negative) plus each following year's net cash flow, one per line.
Basic ROI ignores what your money actually keeps in real, after-cost terms. This panel adjusts for that.
Work backwards: what final value (or starting investment) do you need to hit a target ROI?
Add as many investments as you like and compare ROI and annualized CAGR side by side.
| Name | Initial | Final | Years | ROI | CAGR |
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Grab the most recent Basic ROI result as a plain-text summary, export it, or print a clean report.
Saved only on this device — never uploaded anywhere. Click an entry to restore it.
Return on Investment measures profit relative to cost. It's calculated as ((Final Value − Initial Investment) ÷ Initial Investment) × 100, expressed as a percentage.
It depends on the investment type, time horizon, and risk involved. Higher returns are generally desirable but often carry more risk, so ROI should be weighed alongside duration and risk level.
ROI measures total return over the whole holding period. CAGR annualizes that return, making it possible to fairly compare investments held for different lengths of time.
Yes. If an investment's final value is lower than the amount invested, ROI is negative, indicating a loss.
The basic ROI panel does not. Use the Adjusted / Real ROI panel to factor in fees, tax rate, and inflation for a more realistic net return.
ROI measures overall profit relative to total cost. ROAS (Return on Ad Spend) measures revenue generated per unit of ad spend specifically, without subtracting the spend the way ROI's profit figure does.
It measures annual pre-tax cash flow relative to the actual cash invested (down payment, closing costs, renovations), which differs from cap rate or total ROI because it accounts for how the purchase was financed.
No. Every calculation runs locally in your browser. Nothing you enter is sent to or stored on our servers, and local history stays only on this device.
Net Present Value discounts future cash flows to today's value using a chosen discount rate; a positive NPV suggests a worthwhile investment. Internal Rate of Return is the discount rate at which NPV equals zero — the investment's break-even annualized return.
It lets you enter several investments side by side and instantly see ROI and annualized CAGR for each, making it easier to judge which option actually performed better relative to its size and time held.
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