Calculate profit, loss and ROI on any stock trade or investment.
Calculate gain or loss on any investment
This free calculator gives you instant, accurate results with no signup required. Use it to make smarter, more informed financial and life decisions.
Always double-check important financial decisions with a qualified professional. This calculator provides estimates for guidance purposes. Results may vary based on your specific circumstances.
Many investors overestimate their actual returns by forgetting to account for fees, commissions, and the time value of money. A stock that "doubled" over 10 years sounds great until you calculate the annualized return — roughly 7.2%, barely above the long-term market average.
Don't forget dividends. Total return calculations that only look at price appreciation miss a significant chunk of real returns for dividend-paying stocks. The S&P 500's long-term average return is often quoted around 10%, but a meaningful portion of that historically comes from reinvested dividends, not just price growth.
Transaction costs matter more than most casual investors think, especially for frequent traders. A few dollars in commission per trade seems trivial, but for someone making dozens of trades per year on modest position sizes, fees can quietly eat 1-2% of annual returns.
Use the calculator above to see your real ROI and annualized return after accounting for fees — it's a useful reality check against the "I'm beating the market" feeling that's common but often inaccurate once the full math is done.