ROI (Return on Investment) Calculator
Enter what you paid (cost), what it's worth or sold for (final value), and how long you held it. The calculator returns the absolute profit, ROI %, money multiple and an annualised (compounded) return so you can compare investments of different lengths fairly — gaining 50% over three years is very different from 50% over five.
Please enter a valid number
ROI (total return)
—
Net profit
—
Annualised return
—
Money multiple
—
ROI is the total return over the entire holding period; annualised return assumes profit compounds evenly so you can compare investments of different lengths. Fees, taxes and inflation are not included.
Formula
ROI (total return) = (final value − cost) ÷ cost × 100% Money multiple = final value ÷ cost Annualised return = ((final value ÷ cost)^(1 ÷ years) − 1) × 100%
- · ROI shown here is the total percentage return over the whole holding period; the annualised number converts it to a per-year rate using the CAGR formula so you can compare different time horizons.
- · For a 1-year hold, ROI and annualised return are equal; the longer the period, the more they diverge.
- · The calculation assumes no extra contributions, and that any dividends or distributions are reinvested (in which case the "final value" should already include them).
- · Fees, taxes (capital gains, stamp duty, dividend withholding) and inflation are NOT deducted — to estimate real return, subtract your inflation assumption from the annualised return (pair it with the inflation calculator).
- · Negative returns are supported; a final value of 0 results in −100% ROI and −100% annualised return.
- · Difference from the CAGR calculator: the maths is identical, but ROI is framed around cost vs. profit on a specific investment, while CAGR is framed around a steady annual growth rate — often used for non-investment series like revenue or user growth.
Frequently asked
What is the difference between ROI and annualised return, and which one matters?
ROI is the total percentage return over the entire holding period — a 100% ROI looks great, but if it took 20 years to achieve, the annualised return is just 3.53%, which can lose to a bank time deposit. The annualised number expresses the same outcome as a per-year compounded rate, so it lets you compare investments with different time horizons on equal footing. Use ROI when you want a simple 'how much did I make' on a single deal; use annualised return when you want to compare options.
How do I calculate ROI for a property investment?
Two common approaches. First, pure capital gain: treat the net sale proceeds (after agency commission, stamp duty and mortgage payoff) as the final value, and your out-of-pocket cost (down payment + stamp duty + legal fees + renovation) as the cost. Second, total return including rent: add net rental income received over the holding period (after mortgage interest, management fees, rates and vacancy) to the final value. In Hong Kong, buying-side AVD and selling-side commission can eat 5–8% off ROI, so include them. If you used a mortgage, base ROI on the cash you actually put in (the down payment plus fees), not the headline price — leverage amplifies both gains and losses.
Should I include fees, taxes and dividends in the ROI calculation?
Yes — to get a realistic 'net ROI' you should fold transaction costs into the inputs. Add buy-side fees (brokerage commission, stamp duty, levies) to the cost; subtract sell-side fees and any applicable capital gains tax from the final value. If dividends were reinvested, they are already in the final value; if they were taken in cash, add the cumulative dividends received to the final value, then subtract any dividend tax. Hong Kong stocks have round-trip transaction costs of roughly 0.2–0.6% in total, which is small but compounds with frequent trading. The calculator doesn't track these separately, so bake them into the two amounts you enter.
Related tools
Mortgage Monthly Payment Calculator
Enter property price, down payment, term and rate — get monthly payment, total interest and total payable.
Hong Kong Stamp Duty Calculator
Compute Ad Valorem Stamp Duty (AVD) on residential property at the latest rates.
Hong Kong Salaries Tax Calculator
Estimate Hong Kong salaries tax using both the progressive bands and the 15% / 16% two-tier standard rate (Year of Assessment 2024/25).
Hong Kong MPF Contribution Calculator
Hong Kong MPF contributions for employees, employers and self-employed persons using the statutory 5% rate with the $7,100 minimum and $30,000 maximum relevant income thresholds.
Compound Interest Calculator
Project the future value of a principal plus regular monthly or yearly contributions at a given annual rate, with total interest earned.
CAGR (Compound Annual Growth Rate) Calculator
Compute the compound annual growth rate from a start value, end value and number of years — useful for comparing long-term growth.
Inflation / Purchasing Power Calculator
Project the future purchasing power of an amount given an annual inflation rate and time horizon — and the nominal amount needed to keep up.
Markup & Margin Calculator
Convert between cost, selling price, markup % and gross margin % — handy for retail pricing and SMB profit analysis.
Break-Even Point Calculator
From fixed costs, variable cost per unit and selling price, find the units needed to cover all costs — plus break-even revenue, contribution margin, target-profit volume and margin of safety.
APR ↔ APY Calculator (Nominal vs Effective Annual Rate)
Convert a nominal annual rate (APR) at any compounding frequency to the effective annual yield (APY), or solve the inverse — essential for comparing credit-card, savings-account and mortgage rates.
Rule of 72 Calculator (Doubling Time)
Quickly estimate how many years to double your money at a given compound rate, or what rate is needed to double in a target period — with the exact logarithmic answer alongside.
Loan Payoff Time Calculator
From balance, monthly payment and APR, compute how many months until the loan is paid off, the total interest paid, and the minimum payment that just covers interest.
Savings Goal Calculator
Given goal amount, current savings, monthly deposit and APR, see how many months it takes to hit the target.
Annuity Payment Calculator
Enter principal, annual rate and number of periods to compute the fixed annuity payment (PMT formula) — essential for retirement-income planning.
Net-to-Gross Salary Calculator (Hong Kong)
Enter the after-tax salary you want to take home and the calculator works back to the gross figure you need to offer (HK MPF and salaries-tax aware).
Rental Yield Calculator
Enter property price, monthly rent and yearly expenses (rates, management, insurance, vacancy) to see both gross and net rental yield (%).
Dividend Yield Calculator
Enter annual dividend per share, share price, EPS and amount invested to compute dividend yield (%), payout ratio (%) and projected yearly income.
Sales Tax / VAT Calculator
Enter a price and a tax rate to compute the gross total and tax amount, or work backwards from a tax-inclusive price to the net amount.
Hong Kong Loan-to-Value (LTV) Ratio Calculator
Enter property value and loan amount to get the LTV ratio, the required down-payment, and a live check against HKMA caps and the HKMC mortgage insurance ceilings.
Present Value (PV) Calculator
Discount a future amount back to today using an annual rate, horizon and compounding frequency — get the present value, discount factor and effective annual rate.
Real Interest Rate (Fisher Equation) Calculator
Use the Fisher equation to strip inflation from a nominal rate and find the real return, with the common r ≈ i − π approximation alongside.
Safe Withdrawal Rate (4% Rule) Calculator
Apply the Trinity Study 4% rule: enter your retirement nest egg and a withdrawal rate to see the annual and monthly income it can support.