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ROI Calculator

Calculate return on investment, annualised ROI, net profit and investment multiple — with optional rental income and cost deductions.

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Includes income + costsCAGR calculationAED-nativeVerified July 2026
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Enter your investment values to see the ROI breakdown.

Esempi pratici

Dubai apartment: buy at AED 1.2M, sell at AED 1.55M after 4 years

Initial investment AED 1,200,000, final value AED 1,550,000, holding 4 years. ROI = 29.2%. Annualised ROI = 6.6% per year — above the UAE savings rate but below the 10-year S&P 500 average. Add AED 60,000/yr rental income and the annualised figure rises to 12.1%.

Stock portfolio: $50,000 invested, now worth $78,400 after 7 years

ROI = 56.8% total, but the annualised ROI (CAGR) is 6.6% per year — a more useful number for comparison. The Rule of 72 tells you: at 6.6%, the portfolio doubles every 10.9 years.

Business investment with costs: AED 200,000 in, AED 310,000 out, AED 25,000 in fees

Net profit = 310,000 - 200,000 - 25,000 = AED 85,000. ROI = 42.5%. This is meaningfully lower than the naive 55% you would get if you ignored the transaction costs — showing why costs must be included.

Domande frequenti

~5 min read
What is ROI and how is it calculated?▾
ROI (Return on Investment) measures how much profit an investment generates relative to its cost. The formula is ROI = (Net Profit / Initial Investment) × 100. A positive ROI means you made money; a negative ROI means you lost money.
What is the difference between ROI and annualised ROI?▾
Total ROI tells you the overall percentage gain across the entire holding period. Annualised ROI (CAGR) converts that into an equivalent annual rate. A 100% total ROI over 10 years is only 7.2% per year — much less impressive than it sounds.
How do I include rental income in my ROI calculation?▾
Enter your annual rental income in the 'Annual Income' field under the Detailed mode. The calculator adds total income (income × years) to your final value before computing ROI, giving you the total return that includes both capital appreciation and cash flow.
What counts as additional costs in an ROI calculation?▾
Additional costs include any expense that reduces your net return: transaction fees, brokerage commissions, DLD fees (4% for Dubai property), maintenance, property management fees, taxes on gains, and legal costs. Excluding these overstates your true ROI.
What is a good ROI for Dubai real estate?▾
Dubai residential rental yields typically range from 5% to 8% per year, with some areas like JVC and Dubai Silicon Oasis reaching 8-10%. Capital appreciation has averaged 5-15% per year in growth periods. A combined annualised ROI of 8-12% is generally considered strong for Dubai property.
How does the investment multiple relate to ROI?▾
The investment multiple (also called the equity multiple or money-on-money return) shows how many times your initial investment the total return represents. A 2.5× multiple means your total return is 2.5 times what you put in, which corresponds to a 150% total ROI.
Can ROI be used to compare investments of different lengths?▾
Total ROI cannot — a 50% ROI over 10 years is much worse than a 50% ROI over 2 years. Always use annualised ROI (CAGR) when comparing investments with different holding periods. The calculator computes both for you automatically when you enter the number of years.
What is the break-even point calculation?▾
The break-even point is where total revenue equals total costs — profit is zero. For a business: Break-even units = Fixed Costs / (Price per unit - Variable cost per unit). For an investment, break-even means the final value equals the initial investment plus all costs, so ROI = 0%.

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This calculator is for informational purposes only and does not constitute financial advice. ROI calculations are based on the inputs you provide. Consult a qualified financial advisor before making investment decisions.