Annualized ROI Calculator: Yearly Return Between Dates
Turn a total return into a yearly rate. Type what you invested, what you got back and the start and end dates to see the ROI and the annualised ROI over a 365-day year.
Type the amount invested and the amount returned to see the ROI.
About the Annualized ROI Calculator
The Annualized ROI Calculator turns a total return into a yearly rate. A 50 percent gain sounds the same whether it took two years or ten, but the yearly rates are very different. Type the amount you invested, the amount you got back and the start and end dates, and the calculator shows the gain, the total ROI, the number of days held and the annualised ROI: the rate that, compounded once a year, grows the amount invested into the amount returned over the same period.
The date fields are shown from the start on this page. The period is the count of calendar days from the start date to the end date, and a year is taken as 365 days, so you can check any result by hand. When the period is shorter than a year, a note warns that annualising stretches a short result over a whole year. A rate too large to print, such as a big gain over a single day, is reported as too large to show.
How to use it
Steps
- Type the amount invested and the amount returned, including any income received along the way.
- Pick the start date and the end date. The end date must come after the start date.
- Read the ROI, the period and the annualised ROI.
Without dates
Untick Annualise between two dates to see only the total gain and ROI.
The formula
With an amount invested , an amount returned and days between the dates:
For a single amount in and a single amount out, this is the same as the compound annual growth rate, often called CAGR.
Worked examples
- Two years. 1,000 to 1,500 from 2021-01-01 to 2023-01-01 is 730 days, so a year.
- Exactly one year. 2,000 to 1,500 from 2021-03-01 to 2022-03-01 is 365 days, so the annualised ROI equals the ROI, −25 percent.
- Half a year. 1,000 to 1,100 over 182 days: , about twice the 10 percent total.
- Ten years. Doubling your money in ten years is a year.
Assumptions
The annualised ROI ignores fees, taxes, inflation and any money added or taken out between the two dates. It uses a 365-day year. Past returns do not predict future ones; the result is an estimate, not investment advice. The full ROI Calculator also works without dates. To project growth forward at a fixed rate, use the Compound Interest Calculator.
Privacy
Nothing is uploaded; every calculation runs in your browser and never leaves your device. The amounts and dates you type stay on this page and are gone when you close or reload it.
Frequently asked questions
How do I annualise an ROI?
Divide the amount returned by the amount invested, raise the result to the power of 365 divided by the number of days held, and subtract 1. Turning 1,000.00 into 1,500.00 over 730 days gives 1.5 to the power of 0.5, minus 1, which is 22.47 percent a year.
How are the days counted?
The calculator counts calendar days from the start date to the end date, so 1 January 2024 to 1 July 2024 is 182 days. A year is taken as 365 days, which you can repeat by hand. Leap days count as ordinary days.
Why does a short period give a huge annual rate?
Annualising assumes the same growth carries on all year. A 10 percent gain in half a year becomes 21.06 percent a year, and a large gain over a few days can run into the thousands. The page warns you when the period is under a year, and very large results are shown as too large.
Is annualised ROI the same as CAGR?
Yes, for a single amount in and a single amount out, annualised ROI is the compound annual growth rate. It does not handle money added or taken out in between; for that you need a money-weighted return such as IRR.
Does it include fees, tax and inflation?
No. Take fees and tax off the amount returned before you type it if you want them included, and remember that inflation lowers the real return. Past returns do not predict future ones, and the result is not investment advice.