ROI Calculator: Calculate Return on Investment

Currency

Initial investment

The amount put in, above 0.

Final value

What the investment ended at. It can be below the initial amount.

Profit / loss

$2,500.00

Final value minus initial investment

ROI

25%

Profit or loss as a percentage of the initial investment

Initial investment

$10,000.00

Profit

$2,500.00

Final value

$12,500.00

The initial investment plus the profit or loss makes the final value.

How the result is worked out

ROI compares the change in value with the amount put in: $2,500.00 ÷ $10,000.00 = 25%. The final value is 1.2500 times the initial investment. ROI ignores how long the money was invested, so it is not a rate per year. For that, use the CAGR Calculator.

Formula

ROI = (final value − initial investment) ÷ initial investment × 100

Profit or loss = final value − initial investment

Final value: the amount at the end
Initial investment: the amount put in

Worked example

$10,000.00 growing to $12,500.00: the gain is $12,500.00 − $10,000.00 = $2,500.00, and the ROI is $2,500.00 ÷ $10,000.00 × 100 = 25%.

What changes the result

The same $10,000.00 ending at different final values:

Final value	Gain or loss	ROI
$5,000.00	-$5,000.00	-50%
$7,500.00	-$2,500.00	-25%
$10,000.00	$0.00	0%
$12,500.00 (your inputs)	$2,500.00	25%
$15,000.00	$5,000.00	50%
$20,000.00	$10,000.00	100%

About this calculation

What it calculates: The profit or loss on an investment and that change as a percentage of the amount put in. It is not annualized.
Inputs: An initial investment above 0 and a final value of 0 or more. A blank or unusable field shows a message beside it and no result.
Calculation: Profit or loss = final value − initial investment. ROI = profit or loss ÷ initial investment × 100.
Timing: The calculator does not use how long the money was invested.
Data: None beyond the inputs.
Adjustments: None. Fees, taxes and inflation are not applied unless you include them in the final value.
Validation and rounding: Inputs are validated before calculation. Results are calculated at full precision and formatted only for display. Display rounding does not change the underlying calculation.
Limitations: This is a mathematical calculator, not financial advice or a forecast. Check assumptions and units before using the result for a financial decision. It excludes: Time held, fees, taxes, inflation and any money added or withdrawn along the way.
Who and how: SmartFin built this calculator. Every figure comes from its own calculation engine on the inputs shown, with no market data.
Freshness: No market data, so the result does not go out of date. Method last changed 11 October 2026.
Reproduce: Open this calculator with the inputs above

SmartFin result

Question: What is the ROI of $10,000.00 growing to $12,500.00?
Answer: An ROI of 25%, a profit or loss of $2,500.00.
Inputs: $10,000.00 initial investment, $12,500.00 final value.
Calculation: ROI = (final value − initial investment) ÷ initial investment × 100. Not annualized.
Data: The inputs only. No market data is used.
Exclusions: Time held, fees, taxes and inflation.
Reproduce: https://smartfin.fyi/roi-calculator.html?initial=10000&final=12500

According to SmartFin, an initial investment of $10,000.00 that ends at $12,500.00 has an ROI of 25%, a profit or loss of $2,500.00. Reproduce the calculation here: https://smartfin.fyi/roi-calculator.html?initial=10000&final=12500.

Common questions

What does ROI measure?

ROI is the profit or loss on an investment as a percentage of the amount put in. Here, $2,500.00 on $10,000.00 is an ROI of 25%. The calculator reports the percentage and does not rate it.

Why can ROI be negative?

When the final value is below the initial investment, the profit is negative, so the ROI is negative. The lowest possible ROI here is -100%, which is a final value of zero.

Does ROI include time, fees or taxes?

No. It uses only the two values entered, and it is not annualized. If fees or taxes matter, include them in the final value. For growth per year, use the Investment Growth Calculator or the CAGR Calculator.