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.
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 %).