ROI Calculator

Calculate return on investment, annualized ROI, net gain or loss, and payback period. View year-by-year growth projections with compound returns.

About ROI Calculator

This free ROI (Return on Investment) calculator helps you evaluate the profitability of any investment. It calculates total return, net gain or loss, simple ROI percentage, annualized ROI (CAGR), and payback period. The year-by-year projection table shows how your investment grows with compound returns, making it ideal for business investments, marketing campaigns, equipment purchases, and financial planning.

Free and Unlimited

Use as many times as you need for any investment analysis. No account required, no sign-up, and no limits on calculations.

Instant Results

Get ROI percentage, annualized return, and net gain instantly as you type. See the full year-by-year projection table update in real time.

Privacy First

All calculations happen directly in your browser. Your investment data and financial information never leaves your device.

Accurate Formulas

Uses standard financial formulas including CAGR for annualized ROI. Returns are reinvested and compounded year over year for realistic projections.

📋 Common Use Cases

Retirement Planning

Project your nest egg at retirement age based on current savings, monthly contributions, and expected returns. Adjust variables to see when you can comfortably retire.

Goal-Based Saving

Calculate how much to save monthly to reach a specific target — college fund, house down payment, or emergency fund — by your desired deadline.

Compare Investment Strategies

Test different asset allocations and return rates. See how a 1-2% difference in annual returns compounds into significant differences over decades.

Windfall Planning

Decide between lump-sum investing vs dollar-cost averaging an inheritance or bonus. Let the numbers show which approach maximizes your long-term returns.

🪜 How to Use This Tool

  1. Enter your starting point
    Input your current savings balance, expected monthly contribution, and investment time horizon in years.
  2. Set your expected return rate
    Choose a realistic annual return based on your investment strategy. Conservative portfolios might use 4-6%, aggressive ones 8-10%.
  3. Review growth projections
    See year-by-year growth, total contributions vs investment earnings, and your final balance. Charts visualize how compound interest accelerates over time.
  4. Test what-if scenarios
    Try different contribution amounts, return rates, or time horizons. Small changes early in your career compound into massive differences at retirement.

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Frequently Asked Questions

Are these calculators really free?▼
Yes. All calculators on iluv.tools are completely free. No signup, no account, no credit card required. Every calculation runs instantly in your browser.
Is my data sent anywhere?▼
Absolutely not. All calculators are pure client-side JavaScript. Your numbers, dates, and inputs never leave your browser. No server processing, no tracking.
How accurate are these calculators?▼
Calculators use standard mathematical formulas with double-precision floating point. Results match industry-standard financial and scientific calculations.
Can I use calculators on mobile?▼
Yes. All calculators work on mobile browsers (iOS Safari, Android Chrome) with responsive layouts.