Total return
(Current value − Purchase amount) ÷ Purchase amount × 100
077 · BUSINESS & FINANCE
Investment Return Calculator
Calculate total return and annualized return from purchase amount, current value, and holding period.
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Formula
Total Return = (Current Value − Purchase Amount) ÷ Purchase Amount × 100Annualized Return = (Current Value ÷ Purchase Amount)^(1 ÷ years) − 1Reference calculation based on current value. Taxes, fees, dividends, additional purchases, and cash flows are not included automatically.
RESULT · ROI
Enter values to see the result.
Investment A/B comparison
Compare total and annualized returns for two scenarios using the same formula.
Investment A—
Investment B—
HOW TO USE
How to use
- 01
Enter the purchase amount.
- 02
Enter the current value.
- 03
Enter the holding period in days, months, or years.
- 04
Review total return and annualized return separately.
- 05
Review gain or loss together with invested amount and current value.
- 06
Review total return and annualized return together, noting that annualization can look extreme for short holding periods.
RETURN FORMULA
Investment return guide
Annualized return
(Current value ÷ Purchase amount)^(1 ÷ holding years) − 1
Period normalization
Days ÷ 365, months ÷ 12, years unchanged
Evaluation gain/loss
Current value − purchase amount
Current-value reference
No automatic realized-profit, dividend, tax, or fee treatment
Error boundaries
Purchase≤0, current<0, or period≤0 is invalid
IMPORTANT NOTES
Important notes
- Total return is the cumulative change over the full holding period; annualized return converts that performance to a yearly reference rate.
- Annualized return is not total return divided by years; it uses compound annualization.
- Additional purchases or cash flows can make your actual personal return different from this simple model.
- Dividends, taxes, and fees are not included automatically.
- A current-value calculation is not automatically the same as realized profit if the asset has not been sold.
- Short holding periods can produce very large annualized values, so always read the period together with the rate.
- If dividends, taxes, fees, additional buys, or partial sales are omitted, the result reflects only a simplified price-based return.
FAQ
Frequently asked questions
01What is the return from 10,000,000 to 13,000,000?+
The gain is 3,000,000 and total return is 30%.
02What is the annualized return over two years?+
(1.3)^(1/2)-1, or about 14.02%.
03Is a 20% loss always -20% annualized?+
Only at one year. Over two years it is about -10.56%.
04Can I divide total return by years?+
No. Annualized return uses compound annualization.