Investment return (ROI) calculator
Calculate the investment return (ROI) and annualized return (CAGR) from the initial and final value.
Calculations are based on Estonia's tax rates in force for 2026. Results are informational.
Last updated: 2026-06-03
ROI and CAGR
ROI shows the total return: (final − initial) / initial. CAGR is the average annual return: (final / initial)^(1/years) − 1, accounting for compounding.
How it is calculated
Formula
return = (final value − initial value) ÷ initial value; annualised return (CAGR) = (final ÷ initial)^(1 ÷ years) − 1.
Example
1000 € → 1500 € over 3 years → total return 50%, annualised (CAGR) ≈ 14.5%.
Frequently asked questions
What is the difference between total and annualised return?+
Total return (ROI) is the whole profit as a percentage of the initial investment. Annualised return (CAGR) spreads it evenly across the years.
How is CAGR calculated?+
CAGR = (final value ÷ initial value)^(1 ÷ number of years) − 1.