ROI = (returned − invested) ÷ invested × 100. Because a 35% return over two years is not the same as 35% in one year, the calculator also shows the annualised return (CAGR) = (returned ÷ invested)<sup>1/years</sup> − 1. Find the return on an investment as a percentage, plus the annualised rate over time.
What does this tool do?
Measures return on investment: enter the initial cost and final value (or gain) to get ROI percentage, net profit and annualised return over the holding period. Compares investments on equal footing.
Because the math runs locally, the ROI Calculator works offline after the page loads and never queues behind a server — handy during load-shedding or on slow mobile data. There is nothing to install and no account to create; the page is the whole application, ready in the time it takes to open a tab.
The controls are straightforward: the inputs are “Amount invested”, “Amount returned”, “Investment length (years)” and “Currency symbol (optional)”. Results update live as you work — there is no waiting and nothing to submit.
How do I use this tool?
Enter your figures below — every result updates the instant you type, so comparing scenarios is just a matter of changing a number and watching the answer move.
- Enter your values in “Amount invested”, “Amount returned”, “Investment length (years)” and the other fields.
- Results update instantly as you type — no button to press.
How does it work?
ROI = (gain − cost) ÷ cost × 100. Annualised ROI = (1 + ROI)1/years − 1, which makes a 3-year and a 10-year investment comparable. Enter all-in costs (fees, taxes) for an honest figure.
Precision is full floating-point throughout; only the displayed result is rounded for readability. Intermediate steps are not rounded, which avoids the small compounding errors you get from rounding mid-calculation on a phone calculator.
Use cases in Pakistan
Pakistani investors compare plot files vs bank deposits vs gold: a plot bought at Rs 5M and sold at Rs 7M over 4 years is ~8.8% annualised — suddenly the “40% profit” looks ordinary. Shopkeepers weigh business expansions, freelancers compare equipment purchases, and everyone should annualise before bragging.
Families use it for household budgeting and school-fee planning; small businesses for pricing and payroll math; students for everything from BISE numericals to CSS preparation. Wherever the same calculation is repeated monthly — bills, salaries, savings targets — this page replaces the phone-calculator ritual.
Limitations
ROI ignores risk, timing of cash flows and the time value within the period — a 50% ROI in 1 year beats 60% in 3 years, which only the annualised figure shows. It also ignores taxes, zakat and inflation unless you fold them into the numbers yourself.
Assumptions are stated on the page — read them before trusting the headline number for money, health or legal decisions. A calculator amplifies the quality of its inputs: careful numbers in, trustworthy numbers out.
Frequently asked questions
What is a good ROI?
Compare against alternatives: Pakistan’s bank deposits (~10–12% in 2026), inflation, and the risk taken. There is no universal “good”. For figures that go into applications or documents, double-check the inputs against the source — the math is exact, but only for the numbers you enter.
ROI vs profit — different?
Profit is rupees; ROI is profit relative to cost. Rs 100k profit on Rs 200k cost (50% ROI) beats Rs 150k on Rs 1M (15%). Try varying one input at a time to see which assumption drives the result; that sensitivity check is often more valuable than the headline number.
Why annualise?
To compare investments held for different periods. Total ROI favours long holds; annualised ROI levels the field. Save or screenshot the result with its inputs when the figure matters later — reconstructing “what did I enter?” is harder than it sounds.
Does it include taxes?
Only if you include them in cost/gain. Enter after-tax figures for a true personal ROI. For figures that go into applications or documents, double-check the inputs against the source — the math is exact, but only for the numbers you enter.
Is my data uploaded or stored?
No. This tool runs entirely in your browser — what you type or paste never leaves your device, is never sent to a server, and is never stored. Closing the tab removes all trace. Try varying one input at a time to see which assumption drives the result; that sensitivity check is often more valuable than the headline number.
Is it really free? Do I need an account?
Yes, free, and no account needed. Open the page and use it — no sign-up, no trial, no watermark on results. Save or screenshot the result with its inputs when the figure matters later — reconstructing “what did I enter?” is harder than it sounds.
Updated October 2026 · Built and tested by Sharjeel Tahir · How our tools are tested