ROI Calculator
Simulate compound growth, compare High-Yield Savings Account (HYSA) APYs, calculate stock dividend DRIP returns, check ROI, or compute the Present Value of future capital.
ROI mode compares starting and ending value. Add time horizon, fees, taxes, and risk before treating ROI as an investment decision.
Investment Projection Summary
Ending Portfolio Value
Wealth Accumulation Line
Frequently Asked Questions
What is Compound Interest?
Compound interest is interest calculated on the initial principal plus all of the accumulated interest from previous periods. It creates an exponential growth curve over time, often described as 'interest on interest'.
What is DRIP (Dividend Reinvestment Plan)?
A DRIP automatically reinvests cash dividends back into additional shares or fractional shares of the underlying stock. This increases the total number of shares you own, which in turn increases future dividend payments.
What is the difference between ROI and Annualized ROI?
Absolute ROI shows your total returns over the entire investment lifespan (e.g., a 100% return over 10 years). Annualized ROI (CAGR) calculates the geometric average annual return rate, allowing you to compare returns across different time frames.
What is Present Value?
Present Value (PV) is the current value of a future sum of money, discounted at a specific rate of return. It answers: 'How much money must I invest today at X% return to have $Y in Z years?'