Investment Return Calculator Australia

Estimate total profit, return on investment and annualised return from an investment.

$
$
$

Estimated return

Profit or loss
$0.00
Total return
0.00%
Simple annualised return
0.00%

The annualised figure treats added money as if it was invested from the start, so it is a simplified estimate.

What investment return means

Return on investment, or ROI, compares profit or loss with the total money put in. Annualised return converts the change into an average yearly rate, making investments held for different lengths of time easier to compare.

How to use it

  1. Enter the starting value and any extra money added.
  2. Enter the final value and number of years.
  3. Review profit, total ROI and simplified annualised return.
  4. Compare the result with fees, tax and investment risk.

Worked example

An investment starting at $20,000 with $5,000 later added and a final value of $32,000 has a $7,000 profit. The total return is 28% on $25,000 contributed.

Benefits

  • Separates contributions from actual profit.
  • Shows both total and yearly return estimates.
  • Helps compare outcomes over different periods.

Frequently asked questions

Does the calculator include dividends?

Include dividends in the final value if they were reinvested, or add cash dividends to the final value for a simple total-return estimate.

Does it include fees and tax?

No. Deduct fees and tax effects separately to estimate a net return.

Why is the annualised result simplified?

The timing of extra deposits is unknown. A precise money-weighted return needs the date and amount of every cash flow.

Can the result be negative?

Yes. A final value below total money contributed creates a loss and negative return.

Conclusion

Use ROI as one comparison measure, not a promise of future performance. Consider risk, fees, tax and cash-flow timing before making an investment decision.