ROIbusiness
ROI Calculator 2026 — Return on Investment
Track investment performance — enter starting amount, current value, and years held; the tool computes total ROI and annualized ROI (CAGR). Works for stocks, crypto, real estate, or a business venture. Use the same metric to compare investments held for different periods.
Updated:
§ 01
How to use
- Initial investment. What you originally invested.
- Current value. Today's market value of the position.
- Years held. Time elapsed (needed for CAGR).
§ 02
Key features
Total ROI
% return on initial investment.
Annualized (CAGR)
Compound annual growth rate.
Absolute profit
Total currency gained/lost.
Multi-currency
Locale-aware formatting.
Instant
Updates as you type.
Mobile-first
Smooth on phones.
§ 03
Why Treasury.to?
- CAGR included
- Compare investments
- Free
- No signup
- Instant
- Mobile-first
§ 04
Frequently asked questions
01CAGR vs ROI?
ROI is total % return regardless of time. CAGR is the annual growth rate — fair for comparing investments held different durations.
02What does negative ROI mean?
You're at a loss — current value below the original investment.
03Are transaction costs included?
Not yet — subtract fees from your 'current value' input for a true ROI.
04Is a 10% CAGR over 10 years good?
Yes — it matches the long-term US stock market average (~10% nominal). Below 5% CAGR underperforms a high-yield savings account. Anything sustained above 15% deserves a sanity check for luck or hidden risk.
05Does ROI include dividends and interest received?
Add them to the 'current value' input to capture total return. Otherwise you're only measuring capital gain and missing a meaningful chunk of long-term performance — especially for dividend stocks, bonds, and rental properties.
06Which is better: 100% ROI in 1 month vs 200% in 5 years?
100% in 1 month annualizes to a roughly 410,000% CAGR — vastly higher. 200% in 5 years annualizes to ~24.6% CAGR — excellent but far smaller. CAGR is the fair metric for comparing investments of different durations.