Investment Calculator

ROI Calculator

Estimate investment growth, total contributions, and return on investment so you can compare savings and investing scenarios with clearer expectations.

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ROI formula

ROI = (Net Gain ÷ Total Contributions) × 100%
  • Net gain is the final amount minus total contributions and applicable tax drag.
  • This page combines compound growth with recurring monthly contributions.
  • The embedded tool is ideal for personal investing and savings-growth scenarios.

Use it like a decision tool

Long-term index investing

$10,000 initial · $500 monthly · 7% return · 10 years

Useful for seeing how disciplined contributions can do most of the heavy lifting over time.

Compare two return assumptions

6% vs. 8% annual return with the same contribution plan

A reasonable range helps you avoid overcommitting to best-case projections.

Common questions

Is ROI enough to compare two investments?

ROI is a strong starting point, but risk, time horizon, taxes, and liquidity also matter when comparing alternatives.

Why include monthly contributions?

Because most real-world investing happens gradually, not as a one-time lump sum. This gives a more realistic planning view.

Does this account for taxes?

Yes, the underlying calculator includes simplified country-specific tax treatment for investment gains in several regions.