Net profit divided by initial cost. Net profit is final value plus extra income, minus initial cost and extra expenses.

The constant annual rate that would grow the initial value to the final value over the years you enter. It ignores cash flows in between.

Can I compare two investments?

Yes. Enter Investment A and Investment B to see returns next to each other.

Does Haivix fetch prices?

No. You provide starting and ending values. Nothing is retrieved from a market-data API.

ROI Calculator — Simple Return and CAGR

What ROI Calculator helps you do

Measure simple return on investment, annualize it with CAGR, and compare two investments side by side. Simple ROI shows the total gain as a percentage of what you put in, while CAGR converts the same gain into a constant yearly rate. The comparison mode puts two holdings on one table so different amounts and holding periods can be judged together.

Investment calculations run in your browser; no financial data is uploaded to Haivix.

How it works

These calculators apply standard finance formulas to the numbers you enter. Loans use the reducing-balance annuity formula, where the monthly rate is the annual rate divided by twelve and each payment covers that month's interest before reducing principal. Savings projections compound at the same monthly rate and treat contributions as arriving at the end of each period. Amounts are rounded to the currency's minor unit, with the final payment adjusted so the balance reaches zero. Nothing is fetched from a bank, credit bureau or rate feed, so the result is only as good as the inputs.

How to use ROI Calculator

Choose simple, CAGR or comparison mode.
Enter the initial and final values and the holding period.
Read the ROI or annualized rate.
Add a second investment to compare the two.

When to use it

Compare returns from investments held for different lengths of time.
Compute an annualized growth rate from a total return.
Check whether a venture beat a benchmark.
Include dividends or running costs in a simple return.
Compare two projects with different capital and durations.
Sanity-check a quoted return before trusting it.

When not to use it

Do not use simple ROI to compare different holding periods; use CAGR.
Do not treat CAGR as a forecast of future returns.
Do not use it for cash-flow-timed returns such as IRR.

Example

A 10,000 investment worth 14,500 with no income or expenses has a net profit of 4,500 and a simple ROI of 45%. Growing 10,000 to 16,289 over five years is a CAGR of about 10.25% and a multiple of 1.63. The same total gain over two years would annualize much higher.

What you can do with ROI Calculator

Calculate simple ROI and net profit.
Add income and expenses to the ROI.
Calculate CAGR from an initial and ending value.
Show the growth multiple.
Compare two investments in one table.
Run the math locally in the browser.

Example: compare total cost, not just the monthly figure

Check whether the quoted rate is flat or reducing. The same headline percentage can cost very differently depending on how interest is charged.

Confirm the term unit. A duration entered in months instead of years changes the payment by an order of magnitude.

Look at total interest as well as the monthly payment. A longer term lowers the payment and raises the total cost.

Model one extra payment rather than assuming it. The amortization table shows how much of the saving comes from principal versus a shorter term.

Treat the output as an estimate. Fees, insurance, taxes, variable rates and lender rounding can all move the real figure.

Do not treat a calculator as financial advice. For a binding quote, use the lender's own disclosure.

Check the currency and its minor units. The math is currency-agnostic, but formatting, rounding and the number of decimal places change the displayed result.

Write down the rate, term and assumptions you used. A later comparison is only meaningful if both runs share the same basis.

What to know before you start

It does not fetch market prices and uses only the values you enter.
CAGR smooths the path and hides volatility along the way.
Simple ROI ignores the timing of cash flows.
It does not account for taxes, fees or inflation unless you enter them.

Common mistakes

Comparing a five-year ROI with a two-year ROI directly.
Forgetting income and expenses, which change net profit.
Reading the growth multiple as a percentage.
Assuming CAGR reflects the actual path of the investment.

Troubleshooting

If ROI is negative, expenses and cost exceeded the final value plus income.

If CAGR is an error, the initial or final value may be zero.

If the comparison looks odd, check that both sides use the same currency.

If the rate seems too high, confirm the years field is not in months.

ROI Calculator