What is ROI and how do you calculate it?

ROI (Return on Investment) measures investment profitability as a percentage. A common formula is (net profit / investment amount) × 100%.

What is the difference between ROI and profit?

Profit is the money you gain. ROI expresses that gain as a percentage of the amount invested, which makes comparisons easier.

How do additional contributions affect the result?

Additional contributions increase total invested capital and the growth base, so final value and profit may be higher. ROI depends on the relationship between total growth and total contributions.

Why can results differ from real investing outcomes?

The calculator uses a simplified model with an assumed average return. Real investments may include fees, taxes, variable returns, and risk.

Investment ROI Calculator

Estimate your potential investment outcome: ROI %, net profit, final amount, and a growth chart with optional monthly contributions.

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Enter details

Finance

Investment amount

Base currency: ₴. You can switch the chart to USD/EUR using NBU rates.

Expected return, %

Average annual return (smoothed monthly growth model).

Period (years)

Additional contributions (monthly)

Added at the beginning of each month (DCA-style).

Start date

Used for year labels in the chart.

Result

CalcCore

Enter investment amount, return, and period.

Growth chart

Currency:

The line shows the end-of-year balance (monthly growth model).

Yearly table (open)

Currency:

Year	Date	Contributed (₴)	Profit (₴)	Balance (₴)	ROI, %

What is ROI and how does this calculator work?

ROI (Return on Investment) shows how much profit you earn relative to the total amount you invested. It’s a quick way to compare scenarios: higher ROI means a larger return per invested unit.

This calculator estimates investment growth using a smoothed monthly return model (compound growth), with optional monthly contributions (DCA). Each month your balance increases by a fraction of the annual expected return, and contributions expand the base that compounds going forward.

What results do you get?

Final amount — the estimated end balance after the selected period.
Net profit — final amount minus total contributed (initial + contributions).
ROI % — profit as a percentage of total contributed: (profit / contributed) × 100%.
Growth chart — yearly snapshots of the balance to visualize time + contributions impact.

Important limitations

Real investments do not grow smoothly: returns fluctuate, and fees/taxes may apply. This calculator is an educational planning estimate, not a guaranteed outcome.

FAQ

Is ROI the same as annual return?

No. Annual return is an assumed average yearly rate, while ROI is the total return across the whole period relative to the invested amount.

How are monthly contributions applied?

Contributions are added at the beginning of each month. Then the updated balance grows according to the monthly portion of the expected annual return.

Why does the chart show yearly values?

Yearly snapshots are easier to read for long horizons. Internally, the model compounds monthly, but the chart displays end-of-year points for clarity.

Does this include fees and taxes?

No. This is a basic ROI estimate. Fees and taxes can materially reduce net returns, especially over long periods.

Why might results differ from a broker or bank?

Differences may come from real-world volatility, exact contribution dates, rounding, fees, taxes, and the specific product rules.