ROI Calculator (USA)

Use our ROI Calculator to evaluate the efficiency of your investment by calculating the percentage return earned on the invested amount. Perfect for comparing different investment options and tracking financial performance.

Investment Information
$
$
Yrs
Mos
Total: 12 months
Additional Options
Advanced Options

Understanding ROI in US Markets

S&P 500: 500 large-cap US stocks, ~10% historical return (with dividends)

Dow Jones: 30 blue-chip stocks, ~9% historical return

NASDAQ: Tech-heavy index, ~12% historical return but more volatile

10-Year Treasury: ~4% return, considered risk-free rate

Real Estate: ~8-10% including appreciation and rental income

Inflation: ~3% long-term, what your returns need to beat

Long-term Capital Gains: 0%, 15%, or 20% based on income (held >1 year)

Short-term Capital Gains: Taxed as ordinary income (10-37%)

Dividend Tax: Qualified dividends taxed at capital gains rates

Tax-Advantaged Accounts: 401(k), IRA, Roth IRA offer tax benefits

State Taxes: Some states have additional capital gains taxes

Tax-Loss Harvesting: Strategy to offset gains with losses

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US Investment Returns
Asset Class 1 Year 5 Year 10 Year
S&P 500 8-12% 10-12% 10-12%
Tech Stocks -20% to +50% 12-15% 15-20%
Real Estate 5-8% 8-10% 9-11%
10Y Treasury 3-5% 3-4% 3-4%
Gold -5% to +15% 6-8% 7-9%
Returns are historical averages and not guaranteed. Past performance doesn't indicate future returns.
ROI Calculation Examples

With 10% annual return:

  • Final Value: $25,937
  • Simple ROI: 159.37%
  • Annualized ROI: 10%
  • After 15% tax: $23,046 (135.46%)

Sold for $80K after 5 years with $5K expenses:

  • Net Profit: $25,000
  • Simple ROI: 50%
  • Annualized ROI: 8.45%
  • After tax (20%): $20,000 net profit

Grew to $300K in 7 years:

  • Simple ROI: 200%
  • Annualized ROI: 16.99%
  • After 20% tax: $260,000 (160%)
  • Beat S&P 500 by ~7% annually
US Investment Tips
  • 1. Invest for long-term to benefit from compounding
  • 2. Use tax-advantaged accounts (401k, IRA)
  • 3. Diversify across asset classes
  • 4. Reinvest dividends for better returns
  • 5. Consider low-cost index funds for core holdings