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Investment Return Calculator

Did you beat the market? Use this calculator to find your total and annualized returns on any investment.

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Enter your inputs and run the calculation to see results.

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FAQ

What is a good ROI?
A 'good' ROI depends on risk. For safe bonds, 4-5% is good. For the stock market, 7-10% is average. For high-risk startups, investors look for 300%+.
What is the difference between Total Return and Annualized Return?
Total Return is the simple percentage gain (e.g., +50%). Annualized Return (CAGR) tells you what that growth looks like per year (e.g., +8.4% per year for 5 years).
How do I include dividends?
For the most accurate result, 'Ending Balance' should include the current value of your shares PLUS all dividends received and reinvested.
Is this calculator free to use?
Yes, this tool is 100% free to use. You can perform as many calculations as needed without any hidden fees or subscriptions.
Is my data secure?
Absolutely. We prioritize your privacy by processing all calculations locally in your browser. Your input data is never sent to our servers or stored in any database.
Can I use this on mobile?
Yes, our calculator is fully responsive and optimized for all devices, including smartphones, tablets, and desktop computers.
How accurate are the results?
We use standard industry formulas to ensure high accuracy. However, results should be used as estimates. For critical decisions, please consult a professional.

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ROI vs. CAGR: Which Matters?

If you doubled your money, your ROI is 100%. That sounds amazing. But if it took you 20 years to do it, your Annualized Return (CAGR) is only 3.5%. That's barely beating inflation. **Key Takeaway:** Always look at Annualized Return to judge the efficiency of an investment.

The Rule of 72

Want a quick mental math trick? Divide 72 by your Annualized Return to see how many years it takes to double your money. * At 6%, it takes 12 years (72/6). * At 12%, it takes 6 years (72/12).

Data Privacy & Security

In an era where digital privacy is paramount, we have designed this tool with a 'privacy-first' architecture. Unlike many online calculators that send your data to remote servers for processing, our tool executes all mathematical logic directly within your browser. This means your sensitive inputs—whether financial, medical, or personal—never leave your device. You can use this tool with complete confidence, knowing that your data remains under your sole control.

Accuracy and Methodology

Our tools are built upon verified mathematical models and industry-standard formulas. We regularly audit our calculation logic against authoritative sources to ensure precision. However, it is important to remember that automated tools are designed to provide estimates and projections based on the inputs provided. Real-world scenarios can be complex, involving variables that a general-purpose calculator may not fully capture. Therefore, we recommend using these results as a starting point for further analysis or consultation with qualified professionals.

Fact-checked and reviewed by CalcPanda Editorial Team
Last updated: January 2026
References: WHO Guidelines on BMI, World Bank Financial Standards, ISO Calculation Protocols.
Investment Return Calculator | ROI & Total Profit