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Do you have 3 minutes for your future?

Then try this Retirement Planning Calculator. It solves for multiple unknowns and creates a cash flow schedule.

Need to calculate a rate of return on multiple investments?

Check out our Internal Rate of Return (IRR) Calculator. It supports irregular investment dates.

$ : mm/dd/yyyy
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Note: If you have multiple investments or witdrawals on different dates then use this internal rate of return calculator. An IRR calculation is an annualized ROI calculation when there are multiple cash flows.

Update 03/15/2016: Per below comments, a few changes have been made to make it easier (hopefully) to enter dates. As before, you can enter any date by typing 8 numbers or you can use a calendar. But now the two methods do not interfere with each other. The calendar will not display unless you click on the calendar button [].

When using the calendar, click on the month at the top to list the months, then, if needed, click on the year at the top to list years. Click to pick a year, pick a month and pick a day. Naturally you can scroll through the months and days too. Or you can click on "Today" to quickly select the current date.

If you prefer not using a calendar, single click on a date or use the [Tab] key (or [Shift][Tab]) to select a date. Then, as mentioned, type 8 digits only - no need to type the date part separators. Also, because the date is selected, you do not need to clear the prior date before typing. If mm/dd/yyyy is selected for the date format, for March 15, 2016, type 03152016.

What is ROI?

ROI or Return on Investment calculates the percentage gained or lost on an investment.

Enter the "Amount Invested" and the date the investment was made ("Start Date"). Enter the total "Amount Returned" and the end date.

You can change the dates by changing the number of days. Enter a negative number of days to adjust the "Start Date". Or as you change a date the "Number of Days" will update.

The results include the percentage gained or loss on the investment as well as the annualized gain or loss also expressed as a percent. The annualized return can be used to compare one investment with another investment.

Example: If you bought $25,000 worth of your favorite stock on January 2nd 2014 and sold it for $33,000 on June 7th 2015, you would have a gain of $8,000 which is 32%. The annualized gain is 21.5%.

Now, lets say you made a second investment on January 2nd, 2015. This time for $10,000 and you sold it for $11,000 on March 1st, 2015. The gain is only $1,000 or 10%. However, annualized the gain is 82.1%. Ignoring risk (which can be very dangerous), one would generally consider the latter investment to be better than the former.

21 thoughts on “roi-calculator

  1. Love your ROI calculator. The only thing I would improve would be the ability to enter a date rather than have to scroll through each month. If you are trying to choose a date 10-20 years in the future or past it is a lot of extra work.

    • I understand your point, and I am concerned the best way for entering dates is not as obvious as it should be. Please note:

      1. A user does not have to use the calendar. Just type the numbers, not even the separators. So, if the date format is mm/dd/yyyy, the user would type, for today: 02092016.

      2. Perhaps even better, if you want to use the calendar and the date is a few years back, click on the month at the top, this lists the months and the year then is at the top. Click on the year, you’ll see years where dates normally are. Pick a year, pick the month, pick the date.

      I’m thinking of adding some graphics down the side of the page to show this.

  2. Thanks for making this available. It’s been a great help in evaluating my retirement investments vis-a-vis this particular approach versus that one. Question: how do I adjust for the occasions when I add a lump sum to the current balance of the investment? Do I start over from that point going forward or can I average the lump sum additional investment in equal amounts over the prior months?

  3. Hi John,

    Glad you find the calculator useful. To answer your question, in that use case, I don’t think you should use this single investment ROI calculator. Rather, it is best if you use the IRR calculator located here:

    The IRR calculator allows you to make additional investments on any date (or withdrawals). The calculated IRR is a ROI calculation.

  4. Wondering the formula being used to calculate the Annualized Return (ROI) because I’m getting something different than what you are showing here.

    • About the only thing I will not discuss are the specifics of the formula used for any calculation. Have to have some intellectual capital!

      That said, the results for ROI (and IRR) may differ between calculators. The real benefit of either calculator is so a user can compare two different investments. The calculator normalizes the calculated return so investments of different terms can be compared.

  5. I’m currently making a website, and I need a calculator like this to provide some numbers to people visiting the site. The site is still in concept, so nothing is up and online yet.

    Is there anyway you could allow me to embed this calculator into my site?

    Much regards,

    • After this site is fully live, I’ll look into making some calculators available for other sites. I’ll contact you then.

      In the meantime, these calculators are still being tested.

    • In the lower right corner of any calculator, click on the “$ : MM/DD/YYYY” to open the window where you can select currency and date format.

      Or was your question about how you set a currency option that is not offered?

  6. I am unable to overtype the date as noted above. Am I missing something?

    I liked the prior version for the date. Simpler than entry rather than having to make numerous clicks to get to it.

    Is the prior version still available? It was nicely done and simple.

    Thanks for a nice job.

    • What browser are you using please?

      If you use the [TAB] key to move from the “Days” input to the “Start Date” (or single click in the “Start Date”), the date itself should be selected (usually has a dark blue background).

      If that’s the case, there is no need to clear the date or backspace. Type type the date in. If you use a MM/DD/YYYY date format, you would type


      assuming today’s date. No need to type the separator character between the month and day or day and year.

      Or at least that’s the way it’s designed and the way it has been tested using IE 11, Chrome and Safari on IOS.

      • It seems that the current rendition of your ROI doesn’t work with Mozilla Firefox. Your retirement calculator works fine as did the original ROI calculator. I cannot overwrite the date and clicking on the calendar doesn’t perform correctly either. This is a valuable tool and I wish it still worked like properly.

        • Very strange, but you are right. Since your comment came in, I deployed a new version that does not use a calendar (for now). This will allow users to type the 8 digits that make up the date without any interference from the date the calendar knows.

          I tested in Firefox v42 as well as IE 11 and current Chrome.

          (The calendar comes from a 3rd party programmer’s toolbox. Obviously I need to reevaluate it.)

      • Hi Karl..
        Ref: Can’t overtype the date in ROI.
        You asked about my browser.
        Windows 7, IE 11.

        You say you have a new version that allows users to type the 8 digit date.
        The ROI I opened today has the same problem. Another location?

        • Thanks for the detail. There should not be any problem at all typing in the date with IE 11. That is one of the browsers I use for testing.

          When you have a chance please try this. Do a hard refresh. Press [Ctrl][F5] (press & hold Ctrl key then press F5).

          What this does is make sure the browser is using the latest code. Since you have been to the site before, it is very possible that the browser had saved a copy of the programming code locally and is still using the old version.

  7. I am attempting to calculate ROI over time as my investment grows.
    How do I do this?
    Every year I must invest another $10 to own a domain name.

    Your ROI calculator only does one investment amount one time.
    If I buy a domain name and sell the first year, your calculator is great.
    However if I sell it the tenth year, it is not so accurate. The last $10 was spent recently and the previous $10 the year before.

    The ROI is actually greater with a growing investment than it is with an investment made years ago.

    Amount Invested (PV)?: 250
    Amount Returned (FV)?:1.5million
    days: 7,671
    start 5-01-1995
    end 5-10-2016
    Annualized Return (ROI): 51.2%
    total years 21.

    The first year was $100
    The second two were $50
    Every year since has been $10 (actually under $9 but not attempting to be that accurate.)

    I just renewed the registration for just under $9.

    Annualized Return (ROI): should be higher than 51.2% due to the gradually increasing amount invested..

    how can this be calculated?
    is there a name for the formula?

    thank you 😉

    • Thank you for posting your question here. The ROI calculator, as you have discovered is designed for a single investment amount. What you are describing is, in essence, a series of investments, i.e. the annual fees.

      Please use the IRR Calculator for this calculation. It is designed to allow for a series of investments made on any date there and also be withdrawals (sales for you I imagine) along the way.

      Once you’ve tried it, if you have any questions, please feel free to ask.

      • Thanks Karl, that is exactly what I was looking for. I Entered my expenses as negative numbers and my income and calculated.


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