Return on Investment (ROI) Calculator
Return on investment (ROI) tells you how much your investment has yielded relative to what you put in. A 50% return in 1 year is very different from 50% over 10 years — that's why we also show the annualised return (CAGR) so you can fairly compare investments of different lengths.
結果
+50%
Total return
- Profit or loss
- ￥2,500
- Annualised return (CAGR)
- +14.47%
How this was calculated
- 1Calculate the profit or loss￥7,500 − ￥5,000 = ￥2,500
- 2Divide by the amount invested￥2,500 ÷ ￥5,000 = 50%
- 3Convert to annual percentage over the period(￥7,500 ÷ ￥5,000)^(1÷3) − 1 = 14.47%
公式
ROI = (Final value − Initial) ÷ Initial × 100%. CAGR = (Final ÷ Initial)^(1 ÷ Years) − 1
Total return gives you a snapshot: your starting balance and ending balance. But it says nothing about how long it took. CAGR (Compound Annual Growth Rate) folds all years into one number — how fast your money grew per year on average. The formula: your ending balance to the power of (1 ÷ number of years), minus 1.
ステップ解説
- 1Enter your initial investment (the amount you put in).
- 2Enter the current or final value of your investment.
- 3Enter the number of years (or fraction) since you made the investment.
- 4The calculator shows the total return and annual return (CAGR).
計算例
€ 5,000 invested, now worth € 7,500, after 3 years
→ Total return +50%. CAGR ≈ +14.5% per year.
€ 10,000 invested, now worth € 12,000, after 5 years
→ Total return +20%. CAGR ≈ +3.7% per year.
€ 20,000 invested, now worth € 15,000, after 2 years
→ Total return −25%. CAGR ≈ −13.9% per year (loss).
Reference table
| Scenario | Initial | Final | Years | ROI % | CAGR % |
|---|---|---|---|---|---|
| Stock 1 | € 1,000 | € 1,500 | 1 | +50% | +50% |
| Stock 2 | € 1,000 | € 1,500 | 5 | +50% | ≈8.4% |
Same total return (50%) but very different annual return (CAGR) because stock 2 took much longer.
よくある間違い
- Comparing two investments based only on total return without accounting for how long they took.
- Ignoring costs and taxes — these significantly reduce the actual return.
- Not distinguishing between different investment types with different risk levels.
活用シーン
- Evaluating the return on a stock portfolio or property investment over multiple years.
- Fairly comparing different investments with unequal time periods (e.g. 2-year bond vs 10-year stocks).
- Determining whether an investment has performed well or poorly and whether it beat or fell short of expectations.
よくある質問
What counts as a good return?
That depends on the risk you take. Stock markets have historically returned an average of 6–8% per year over long periods, with significant year-to-year swings. Bonds typically 2–4%. Savings accounts usually less than 1%. Compare against your investment horizon and risk tolerance.
Why is CAGR calculated differently from total return?
Total return just shows the difference between start and end. CAGR calculates how fast your money grew per year — averaged across all years. Example: 50% over 1 year = 50% CAGR. 50% over 5 years = roughly 8.4% CAGR per year. It's the geometric mean (not arithmetic mean) because returns compound.
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