ROI Calculator

About ROI

The ROI Calculator helps you estimate the return on your investment over time. It considers your initial investment, regular contributions, expected return rate, and time horizon to project your wealth accumulation and ROI.

How It’s Calculated

The ROI is calculated based on the future value using the compound interest formula: FV = PV(1 + r/n)^(nt) + PMT × [((1 + r/n)^(nt) - 1) / (r/n)], where PV is present value, r is annual rate, n is compounding frequency, t is time in years, and PMT is the periodic payment. ROI = (Total Returns / Total Contributed) * 100.

Key Insights

• •Time is your greatest ally - even small regular contributions can grow significantly over decades
• •Compound interest allows your returns to generate their own returns, accelerating growth
• •Regular contributions often matter more than timing the market perfectly
• •Higher compounding frequency leads to slightly better returns due to interest-on-interest effects