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ROI calculator

Calculate your return on investment (ROI), total and annualized, with costs, income received and taxes.

Indicative calculation. The tax on the gain is estimated (savings tax base, 19%-30% in brackets); the real tax depends on the rest of your income. Not financial advice.

What you invested at the start.
What it is worth or what you got back at the end.
If you enter it, we also compute the annualized ROI (CAGR).
Buy/sell commissions and other transaction costs. They add to what you commit.
Income received during the investment (dividends, coupons, rent). It adds to your gain.
Tax on the gain. In Spain capital gains are taxed in the savings base: 19% up to €6,000.
Total ROI
51.96%
Gain
€530
Annualized ROI
8.73%
Net ROI (after tax)
42.09%
Net gain
€429
Estimated tax
€101

Information, not tax or financial advice.

How the ROI calculator works

ROI (return on investment) measures how much you've gained relative to what you put in. It's the most direct way to compare different investments with a single figure.

How to read the result. The ROI is (final value + income received − investment − costs) ÷ (investment + costs), as a percentage. The net ROI subtracts the tax on the gain.

Worked example (default values). You invest €1,000 with €20 of costs, recover €1,500 and collect €50 of income (dividends) over 5 years, with a 19 % tax on the gain:

  • Capital committed: €1,000 + €20 = €1,020.
  • Gain: €1,500 + €50 − €1,020 = €530.
  • Total ROI: 530 / 1,020 = 51.96 %; annualised (5-year CAGR) = 8.73 %.
  • Tax (19 % on €530): €100.70 → net gain €429.30 → net ROI 42.09 %.

An important note. ROI ignores time: 50 % in one year is excellent; over ten, mediocre. To compare terms, look at the annualised return (CAGR). The tax is indicative: capital gains are taxed in the savings base (19 %–30 %).

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