ROI Calculator

What's a "good" ROI?

• S&P 500 long-term average — ~10% annualised
• Real estate — 8-12% annualised including rental yield
• High-yield savings — 4-5% (currently, late-2025)
• Business / startup — VCs target 25-40% annualised on portfolio; failures included
• Inflation — 2-3% baseline; any return below this is a loss in real terms

ROI vs annualised ROI — why both matter

A 50% ROI over 10 years = 4.1% annualised — slower than the S&P. A 30% ROI over 2 years = 14% annualised — way better. Always check both numbers before comparing investments of different durations.

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