ROI计算器（投资回报率）
计算投资回报率(ROI)并比较分析多项投资。也可反算达成目标收益率所需金额。
This calculator is for reference only. Actual investment returns may vary due to taxes, fees, and inflation. Consult a financial advisor before making investment decisions.
📖 使用方法
- Enter your initial investment amount
- Enter the final value (current value or sale price)
- Enter investment period to also calculate annualized ROI (CAGR)
- Use Compare mode to compare multiple investments side by side
- Use Target mode to calculate amounts needed for desired returns
✨ 主要功能
- ✓Basic ROI (Return on Investment) calculation
- ✓Annualized ROI (CAGR) calculation
- ✓Compare multiple investments with ranking
- ✓Reverse calculate required amounts for target ROI
- ✓Visual profit/loss indicators
📐 计算公式
ROI = (Final Value - Initial Investment) / Initial Investment × 100
CAGR = ((Final Value / Initial Investment)^(1/n) - 1) × 100💡 计算原理
- •ROI (Return on Investment) measures profitability as a percentage of the initial investment.
- •Positive ROI indicates profit, negative ROI indicates loss.
- •CAGR (Compound Annual Growth Rate) is the annualized return accounting for compounding.
- •Same ROI over shorter periods means higher CAGR.
- •When comparing investments, consider CAGR, risk, and liquidity alongside ROI.
❓ 常见问题
Q. What's the difference between ROI and CAGR?
A. ROI is the total return over the entire investment period, while CAGR is the annualized return assuming constant growth each year. 50% ROI over 3 years equals about 14.5% CAGR.
Q. Is higher ROI always better?
A. Not necessarily. Don't judge investments by ROI alone. Consider investment period, risk level, liquidity, and taxes comprehensively.
Q. What does negative ROI mean?
A. Negative ROI means you lost money. For example, -20% ROI means you lost 20% of your investment.
Q. How do I account for taxes and fees?
A. For accurate returns, calculate using actual net profit after deducting taxes (capital gains, dividend taxes) and transaction fees.
Q. What about inflation-adjusted real returns?
A. Real return = ((1 + nominal return) / (1 + inflation rate) - 1) × 100. A 5% return with 3% inflation gives about 1.9% real return.
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