Historically, the S&P 500 has returned roughly 10% per year before inflation. A good ROI depends on your risk tolerance and time horizon, but consistently beating the market average is considered excellent performance.

This calculator measures the return based on the initial and final portfolio values you provide. If you reinvested dividends, include them in your final value for an accurate total return calculation.

Total ROI shows the overall percentage gain or loss across the entire period. Annualized ROI normalizes that figure to a per-year rate, making it easier to compare investments held for different lengths of time.