Free investment calculator

Investment return calculator

Measure an investment's gain or loss, total return and annualized performance after adding received income and deducting costs.

Investment details

Enter performance values

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Designed for one initial investment without additional deposits or withdrawals during the holding period.

Return breakdown

See how value, income and costs combine into the final gain or loss.

Initial investment− GEL 10,000.00
Current or sale value+ GEL 14,500.00
Income received+ GEL 600.00
Fees and taxes− GEL 100.00
Net gain or lossGEL 5,000.00

How investment return is calculated

Return on investment (ROI) answers a simple question: for every lari you put in, how much did you get back? A useful answer has to include more than the change in price. Dividends, interest or rent you received count as part of the return, and fees, commissions and taxes you paid reduce it.

Enter what you invested, what the investment is worth now, any income it paid you, the fees and taxes along the way, and how many years you held it. The calculator adds the income to the current value, subtracts the costs to get the net value, and compares that with your original investment. The total return shows the overall percentage gain or loss.

Because a 50% gain over two years is very different from a 50% gain over ten, the calculator also shows the annualised return: the steady yearly rate that would turn your initial investment into the net value over the same period. It is the fairest way to compare investments held for different lengths of time, or to compare an investment with a deposit rate.

Formula

Annualised return = (Net value ÷ Initial investment)^(1 ÷ years) − 1

Net value = current value + income received − fees and taxes. Total return = (net value − initial investment) ÷ initial investment × 100%.

Example: a 10,000 GEL investment held for 3 years

Suppose you invested 10,000 GEL three years ago. It is now worth 14,500 GEL, it paid you 600 GEL in dividends, and you paid 100 GEL in fees and taxes.

  1. Gross proceeds: 14,500 + 600 = 15,100 GEL.
  2. Net value: 15,100 − 100 = 15,000 GEL.
  3. Net gain: 15,000 − 10,000 = 5,000 GEL.
  4. Total return: 5,000 ÷ 10,000 = 50%.
  5. Annualised return: (15,000 ÷ 10,000)^(1 ÷ 3) − 1 ≈ 14.47% a year.

A 50% total return sounds large, but spread over three years it equals about 14.5% a year. That is the number to compare with a deposit, a rental yield or another investment.

How to read the result

  • Count all the income. Dividends, coupons and rent are often the difference between a mediocre and a good investment; leaving them out understates your return.
  • Count all the costs. Broker commissions, custody and transfer fees, and taxes on gains or dividends all belong in fees and taxes, otherwise the return looks better than it was.
  • Measure in one currency. If you bought US stocks with lari, the exchange rate at purchase and today changes your return in lari; convert both the initial investment and the current value to the same currency first.
  • Use annualised figures to compare. Compare the annualised return with what a bank deposit paid over the same period to see whether the risk was rewarded.
  • Remember that past returns are not a forecast. A strong result over a few years says little about the next few; keep the bigger picture of your portfolio in view.

Frequently asked questions about investment return

Subtract what you invested from the net value of the investment (current value plus income, minus costs), then divide by what you invested. In the example above, (15,000 − 10,000) ÷ 10,000 = 50%.
Total return is the overall gain for the whole holding period. Annualised return spreads that gain evenly across the years, with compounding, so investments held for different periods can be compared fairly.
Yes. Income received is part of what the investment earned for you. Enter the total dividends, interest or rent you received during the holding period.
Yes. It works for any asset with a purchase cost and a current value: stocks and funds, cryptocurrency, an apartment or a stake in a business. For property, include rent as income and purchase taxes, repairs and agency fees as costs.
If the net value is zero or negative, there is no meaningful yearly growth rate, so the calculator shows only the total return. This happens when costs or losses wipe out the whole investment.

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Last updated: 1 October 2026

For information only, not financial, tax or legal advice. Results are estimates based on the figures you enter; check important decisions with your bank or a qualified adviser.