Rate of Return Calculator
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Rate of return calculator
Calculate the simple rate of return on investment (ROI) based on the initial value and final value.
Calculate your investment yield
Enter your starting and ending amounts to find out how much percentage you gained or lost.
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Other tools you may find usefulRate of return calculator – calculate the actual percentage of profit from an investment
The rate of return is the simplest and most important indicator of investment effectiveness. It tells you by how much the value of your capital has increased (or decreased) over a specific period of time. The webp.pl rate of return calculator allows you to quickly calculate both the simple rate of return and the compound rate of return (CAGR - Compound Annual Growth Rate), and also takes into account additional deposits and withdrawals during the investment. Thanks to it, you know exactly how effectively your money works.
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Basic definitions and formulas
1. Simple rate of return (ROI)
The most frequently used indicator determining the ratio of profit to invested capital. It shows how much percentage you have earned relative to your initial investment amount.
ROI = ((Final value – Initial value) / Initial value) × 100%
- Initial value– amount invested,
- Final value– value of the investment after the end of the period,
- The result in percentage shows the total return, regardless of the duration of the investment.
2. Compound Annual Growth Rate (CAGR)
The CAGR (Compound Annual Growth Rate) measures the average annual growth of investments, taking into account the effect of compound interest. Thanks to this, it more accurately reflects the actual dynamics of profits over a longer time horizon.
CAGR = ((Final value / Initial value)1/t– 1) × 100%
- t– number of years of investment,
- Initial value i final– capital at the beginning and end of the period,
- CAGR takes into account the capitalization and reinvestment of profits.
3. Real rate of return (after inflation)
To find out the actual increase in capital value, inflation must be taken into account. Even with a high nominal return, real purchasing power may grow more slowly and, in some cases, even decline.
Real rate of return = ((1 + nominal rate) / (1 + inflation)) – 1
How to use the calculator
Enter the initial value of the investment, the final value of the portfolio and the duration of the investment. The calculator will automatically calculate the percentage return, the average annual rate of return (CAGR) and the difference between the nominal and real value (after taking into account inflation). You can also add irregular deposits or withdrawals, which allows you to better replicate a real-life investing scenario.
- Enter the initial value of the capital (PLN),
- Enter the final value after the investment period,
- Set the duration (e.g. in years),
- Optionally add the annual inflation rate,
- ClickCalculateto see the full result.
Calculation examples
Example 1. Simple investment
Data:Initial value PLN 10,000, final value PLN 12,500.
ROI = ((12,500 – 10,000) / 10,000) × 100% = 25%
The return on investment is 25% over the entire period. A simple but effective indicator for quickly assessing results.
Example 2. CAGR for a long-term portfolio
Data:Initially PLN 10,000, final PLN 18,000 after 5 years.
CAGR = ((18,000 / 10,000)1/5– 1) × 100% = 12.47%
The average annual return is 12.5%. CAGR eliminates the impact of annual fluctuations and shows the average growth dynamics.
Example 3. Real rate of return
Data:Nominal return 10%, inflation 6%.
Real rate = ((1.10 / 1.06) – 1) × 100% = 3.77%
After taking into account inflation, the actual return on investment is only 3.8% per year.
Example 4. Investment with subsidies
Data:Initially PLN 20,000, subsidy PLN 5,000 after 2 years, final PLN 32,000 after 4 years.
Taking into account the additional payment and time, the calculator shows an effective CAGR of approx. 10.9% - a real picture of capital growth taking into account the cash inflow.
Table - interpretation of results
| Result (rate of return) | Interpretation | Investment evaluation |
|---|---|---|
| < 0% | Capital loss | Unprofitable |
| 0–5% | Low return, safe investment | Limited profit |
| 5–10% | Standard level for the bond market | Stable profit |
| 10–20% | Profitable investment with moderate risk | Attractive |
| > 20% | High return, high risk | Speculative |
FAQ
What is the difference between ROI and CAGR?
ROI shows the total percentage return over a given period, while CAGR shows the average annual growth taking into account the effect of compound interest.
Does the calculator take into account inflation?
Yes, after entering the inflation rate, the result shows the real rate of return, which allows for a more realistic assessment of the profit.
How to interpret a negative rate of return?
Indicates a loss of capital. It is worth analyzing the reasons for the decline, such as costs, fees or misallocation of assets.
Can you use the calculator for investment portfolios?
Yes. You can enter the total value of the portfolio at the beginning and end of the period, and the calculator will calculate the total and average annual profit.
How to calculate your refund after tax?
Just reduce the final value by 19% capital gains tax and then calculate the rate of return in the standard way.
Summary
The webp.pl rate of return calculator is a comprehensive tool for investors that combines the simplicity of ROI with the precision of CAGR and the ability to take into account inflation. Thanks to it, you will find out how much you really earned, what the average annual dynamics of your capital is and whether the investment was more profitable than other available options. Enter your data, clickCalculateand see how effectively your money works.