> ## Documentation Index
> Fetch the complete documentation index at: https://docs.iotools.cloud/llms.txt
> Use this file to discover all available pages before exploring further.

# ROI Calculator

> Calculate return on investment (ROI) for any investment. Enter what you put in and what you got back to get net profit, ROI percentage, investment multiple, and annualized ROI (CAGR) when you add a holding period.

[Try ROI Calculator in your browser →](https://iotools.cloud/tool/roi-calculator/)



## OpenAPI

````yaml https://api.iotools.cloud/v1/openapi post /v1/tool/roi-calculator
openapi: 3.1.0
info:
  title: iotools.cloud API
  version: 1.0.0
  description: >-
    Run any iotools.cloud tool over HTTP.


    Authenticate with `Authorization: Bearer iot_live_…`.


    **Only `POST /v1/tool/{slug}` costs credits.** Every GET here — the catalog,
    a tool's schema, your balance — is free. A tool call is charged its own
    weight or your plan's per-call minimum, whichever is larger;
    `x-iotools-credit-cost` on each operation is quoted at the free-tier
    minimum, and `GET /v1/tools/list` returns the exact figure for your key.
    `GET /v1/me/credits` reports what you have left, and `GET /v1/me/usage`
    reports what it went on.


    Failures are RFC 9457 problem documents — branch on `code`.
servers:
  - url: https://api.iotools.cloud
    description: Production
security:
  - bearerAuth: []
tags:
  - name: Catalog
    description: Find a tool and read its contract. Free.
  - name: Converters
    description: >-
      Convert between formats, encodings, and units — Base64, CSV and JSON,
      timestamps, and more. Fast, free, and processed right in your browser.
  - name: Formatters
    description: >-
      Format, beautify, minify, and validate code and data — JSON, HTML, CSS,
      SQL, and regex. Clean up messy input in one click, with nothing to upload.
  - name: Generators
    description: >-
      Generate exactly what you need and on demand — passwords, UUIDs, QR codes,
      hashes, random numbers, and more. Secure, instant, and free.
  - name: Calculators
    description: >-
      Crunch the numbers fast — from everyday math to specialized conversions
      and unit work. Free online calculators that run entirely in your browser.
  - name: Editors
    description: >-
      Edit and transform text, code, and images with quick, focused editors that
      run entirely in your browser — nothing to install, and no sign-up needed.
  - name: Utilities
    description: >-
      Everyday developer and web utilities — DNS and IP lookups, redirect and
      certificate checkers, and other quick diagnostics. Free and
      privacy-friendly.
  - name: Account
    description: Your key's allowance, limits and usage history.
paths:
  /v1/tool/roi-calculator:
    post:
      tags:
        - Calculators
      summary: ROI Calculator
      description: >-
        Calculate return on investment (ROI) for any investment. Enter what you
        put in and what you got back to get net profit, ROI percentage,
        investment multiple, and annualized ROI (CAGR) when you add a holding
        period.


        [Try ROI Calculator in your browser
        →](https://iotools.cloud/tool/roi-calculator/)
      operationId: run_roi_calculator
      requestBody:
        required: true
        content:
          application/json:
            schema:
              type: object
              properties:
                initialInvestment:
                  type: number
                  description: Initial Investment ($)
                  minimum: 0
                finalValue:
                  type: number
                  description: Final Value ($)
                  minimum: 0
                additionalCosts:
                  type: number
                  description: Additional Costs / Fees ($)
                  minimum: 0
                incomeReceived:
                  type: number
                  description: Income Received ($)
                  minimum: 0
                years:
                  type: number
                  description: Holding Period (Years)
                  minimum: 0
              required:
                - initialInvestment
                - finalValue
            examples:
              10_000_15_000_simple_50_gain:
                summary: $10,000 → $15,000 (simple 50% gain)
                value:
                  initialInvestment: '10000'
                  finalValue: '15000'
                  additionalCosts: '0'
                  incomeReceived: '0'
                  years: ''
              10_000_25_000_over_5_years_annualized_roi_cagr:
                summary: $10,000 → $25,000 over 5 years (annualized ROI / CAGR)
                value:
                  initialInvestment: '10000'
                  finalValue: '25000'
                  additionalCosts: '0'
                  incomeReceived: '0'
                  years: '5'
              stock_with_fees_and_dividends_over_3_years:
                summary: Stock with fees and dividends over 3 years
                value:
                  initialInvestment: '5000'
                  finalValue: '6000'
                  additionalCosts: '100'
                  incomeReceived: '300'
                  years: '3'
              losing_investment_8_000_6_000:
                summary: Losing investment — $8,000 → $6,000
                value:
                  initialInvestment: '8000'
                  finalValue: '6000'
                  additionalCosts: '0'
                  incomeReceived: '0'
                  years: '2'
      responses:
        '200':
          description: Tool output
          content:
            application/json:
              examples:
                10_000_15_000_simple_50_gain:
                  summary: $10,000 → $15,000 (simple 50% gain)
                  value:
                    tool: roi-calculator
                    tool_version: 1.0.1
                    outputs:
                      results:
                        - metric: Total Invested
                          value: $10,000.00
                        - metric: Total Return
                          value: $15,000.00
                        - metric: Net Profit
                          value: $5,000.00
                        - metric: ROI
                          value: 50.00%
                        - metric: Investment Multiple
                          value: 1.50×
                    credits_used: 3
                    credits_remaining: null
                10_000_25_000_over_5_years_annualized_roi_cagr:
                  summary: $10,000 → $25,000 over 5 years (annualized ROI / CAGR)
                  value:
                    tool: roi-calculator
                    tool_version: 1.0.1
                    outputs:
                      results:
                        - metric: Total Invested
                          value: $10,000.00
                        - metric: Total Return
                          value: $25,000.00
                        - metric: Net Profit
                          value: $15,000.00
                        - metric: ROI
                          value: 150.00%
                        - metric: Investment Multiple
                          value: 2.50×
                        - metric: Annualized ROI (CAGR, 5 yr)
                          value: 20.11%
                    credits_used: 3
                    credits_remaining: null
                stock_with_fees_and_dividends_over_3_years:
                  summary: Stock with fees and dividends over 3 years
                  value:
                    tool: roi-calculator
                    tool_version: 1.0.1
                    outputs:
                      results:
                        - metric: Total Invested
                          value: $5,100.00
                        - metric: Total Return
                          value: $6,300.00
                        - metric: Net Profit
                          value: $1,200.00
                        - metric: ROI
                          value: 23.53%
                        - metric: Investment Multiple
                          value: 1.24×
                        - metric: Annualized ROI (CAGR, 3 yr)
                          value: 7.30%
                    credits_used: 3
                    credits_remaining: null
                losing_investment_8_000_6_000:
                  summary: Losing investment — $8,000 → $6,000
                  value:
                    tool: roi-calculator
                    tool_version: 1.0.1
                    outputs:
                      results:
                        - metric: Total Invested
                          value: $8,000.00
                        - metric: Total Return
                          value: $6,000.00
                        - metric: Net Loss
                          value: '-$2,000.00'
                        - metric: ROI
                          value: '-25.00%'
                        - metric: Investment Multiple
                          value: 0.75×
                        - metric: Annualized ROI (CAGR, 2 yr)
                          value: '-13.40%'
                    credits_used: 3
                    credits_remaining: null
              schema:
                type: object
                required:
                  - tool
                  - tool_version
                  - outputs
                  - credits_used
                  - credits_remaining
                properties:
                  outputs:
                    type: object
                    properties:
                      results:
                        type: array
                        items:
                          type: object
                          properties:
                            metric:
                              type: string
                              description: Metric
                            value:
                              type: string
                              description: Value
                        x-iotools-columns:
                          - metric
                          - value
                  tool:
                    type: string
                    description: The tool's slug, echoing the {slug} in the request path.
                  tool_version:
                    type: string
                    description: Output-contract version for this tool.
                  credits_used:
                    type: integer
                    description: >-
                      Credits this call consumed, after any settlement refund. 0
                      when metering is disabled.
                  credits_remaining:
                    type:
                      - integer
                      - 'null'
                    description: >-
                      Credits left in the current monthly allowance, or null
                      when metering is disabled.
                  request_id:
                    type: string
                    description: Correlation id, also sent as x-request-id.
        '400':
          $ref: '#/components/responses/ValidationError'
        '401':
          $ref: '#/components/responses/Unauthorized'
        '402':
          $ref: '#/components/responses/InsufficientCredits'
        '403':
          $ref: '#/components/responses/ToolNotAllowed'
        '404':
          $ref: '#/components/responses/ToolNotFound'
        '413':
          $ref: '#/components/responses/PayloadTooLarge'
        '429':
          $ref: '#/components/responses/RateLimited'
        '500':
          $ref: '#/components/responses/ToolFailed'
        '503':
          $ref: '#/components/responses/ToolDisabled'
      security:
        - bearerAuth: []
components:
  responses:
    ValidationError:
      description: Invalid request.
      content:
        application/problem+json:
          schema:
            type: object
            description: >-
              RFC 9457 problem document, served as application/problem+json.
              Branch on `code`; `title` is human prose and may be reworded
              without notice. Some failures add extension members — `fields` on
              validation errors, `retry_after` on 429s,
              `credits_used`/`credits_remaining` on billing-adjacent failures —
              documented on the responses that carry them.
            required:
              - type
              - title
              - status
              - code
            properties:
              type:
                type: string
                format: uri
                description: Stable documentation URI for this failure.
                examples:
                  - https://iotools.cloud/docs/errors/validation_error
              title:
                type: string
                description: Short human-readable summary of the failure.
                examples:
                  - Invalid request
              status:
                type: integer
                description: HTTP status code, matching the response's own status.
              code:
                type: string
                description: >-
                  Stable machine-readable error code — branch on this, not
                  `title`.
                enum:
                  - validation_error
              detail:
                type: string
                description: Human explanation of this occurrence.
              request_id:
                type: string
                description: Correlation id, also sent as x-request-id.
              fields:
                type:
                  - object
                  - string
                additionalProperties:
                  type: string
                description: >-
                  What failed: a map of field name → message. Absent when the
                  body itself is malformed; a single string when the failure
                  isn't tied to one field.
          example:
            type: https://iotools.cloud/docs/errors/validation_error
            title: Invalid request
            status: 400
            code: validation_error
            detail: One or more inputs are invalid — see `fields`.
            request_id: e4042b29-8f1e-4c7a-9b52-6f0d1a3c7e11
            fields:
              inputString: Required
    Unauthorized:
      description: Missing or invalid API key.
      content:
        application/problem+json:
          schema:
            type: object
            description: >-
              RFC 9457 problem document, served as application/problem+json.
              Branch on `code`; `title` is human prose and may be reworded
              without notice. Some failures add extension members — `fields` on
              validation errors, `retry_after` on 429s,
              `credits_used`/`credits_remaining` on billing-adjacent failures —
              documented on the responses that carry them.
            required:
              - type
              - title
              - status
              - code
            properties:
              type:
                type: string
                format: uri
                description: Stable documentation URI for this failure.
                examples:
                  - https://iotools.cloud/docs/errors/invalid_api_key
              title:
                type: string
                description: Short human-readable summary of the failure.
                examples:
                  - Invalid API key
              status:
                type: integer
                description: HTTP status code, matching the response's own status.
              code:
                type: string
                description: >-
                  Stable machine-readable error code — branch on this, not
                  `title`.
                enum:
                  - invalid_api_key
              detail:
                type: string
                description: Human explanation of this occurrence.
              request_id:
                type: string
                description: Correlation id, also sent as x-request-id.
          example:
            type: https://iotools.cloud/docs/errors/invalid_api_key
            title: Invalid API key
            status: 401
            code: invalid_api_key
            detail: 'Provide ''Authorization: Bearer <key>''.'
            request_id: e4042b29-8f1e-4c7a-9b52-6f0d1a3c7e11
    InsufficientCredits:
      description: Monthly credit allowance exhausted.
      content:
        application/problem+json:
          schema:
            type: object
            description: >-
              RFC 9457 problem document, served as application/problem+json.
              Branch on `code`; `title` is human prose and may be reworded
              without notice. Some failures add extension members — `fields` on
              validation errors, `retry_after` on 429s,
              `credits_used`/`credits_remaining` on billing-adjacent failures —
              documented on the responses that carry them.
            required:
              - type
              - title
              - status
              - code
            properties:
              type:
                type: string
                format: uri
                description: Stable documentation URI for this failure.
                examples:
                  - https://iotools.cloud/docs/errors/insufficient_credits
              title:
                type: string
                description: Short human-readable summary of the failure.
                examples:
                  - Insufficient credits
              status:
                type: integer
                description: HTTP status code, matching the response's own status.
              code:
                type: string
                description: >-
                  Stable machine-readable error code — branch on this, not
                  `title`.
                enum:
                  - insufficient_credits
              detail:
                type: string
                description: Human explanation of this occurrence.
              request_id:
                type: string
                description: Correlation id, also sent as x-request-id.
              credits_used:
                type: integer
                description: Always 0 — a refused call charges nothing.
              credits_remaining:
                type: integer
                description: Credits left in the allowance — fewer than this call costs.
          example:
            type: https://iotools.cloud/docs/errors/insufficient_credits
            title: Insufficient credits
            status: 402
            code: insufficient_credits
            detail: This call costs 1 credit and 0 remain in this month's allowance.
            request_id: e4042b29-8f1e-4c7a-9b52-6f0d1a3c7e11
            credits_used: 0
            credits_remaining: 0
    ToolNotAllowed:
      description: Tool exists but has no API surface.
      content:
        application/problem+json:
          schema:
            type: object
            description: >-
              RFC 9457 problem document, served as application/problem+json.
              Branch on `code`; `title` is human prose and may be reworded
              without notice. Some failures add extension members — `fields` on
              validation errors, `retry_after` on 429s,
              `credits_used`/`credits_remaining` on billing-adjacent failures —
              documented on the responses that carry them.
            required:
              - type
              - title
              - status
              - code
            properties:
              type:
                type: string
                format: uri
                description: Stable documentation URI for this failure.
                examples:
                  - https://iotools.cloud/docs/errors/tool_not_allowed
              title:
                type: string
                description: Short human-readable summary of the failure.
                examples:
                  - Tool not available over the API
              status:
                type: integer
                description: HTTP status code, matching the response's own status.
              code:
                type: string
                description: >-
                  Stable machine-readable error code — branch on this, not
                  `title`.
                enum:
                  - tool_not_allowed
              detail:
                type: string
                description: Human explanation of this occurrence.
              request_id:
                type: string
                description: Correlation id, also sent as x-request-id.
          example:
            type: https://iotools.cloud/docs/errors/tool_not_allowed
            title: Tool not available over the API
            status: 403
            code: tool_not_allowed
            detail: >-
              "Background Remover" is available on iotools.cloud but has no API
              endpoint.
            request_id: e4042b29-8f1e-4c7a-9b52-6f0d1a3c7e11
    ToolNotFound:
      description: No such tool.
      content:
        application/problem+json:
          schema:
            type: object
            description: >-
              RFC 9457 problem document, served as application/problem+json.
              Branch on `code`; `title` is human prose and may be reworded
              without notice. Some failures add extension members — `fields` on
              validation errors, `retry_after` on 429s,
              `credits_used`/`credits_remaining` on billing-adjacent failures —
              documented on the responses that carry them.
            required:
              - type
              - title
              - status
              - code
            properties:
              type:
                type: string
                format: uri
                description: Stable documentation URI for this failure.
                examples:
                  - https://iotools.cloud/docs/errors/tool_not_found
              title:
                type: string
                description: Short human-readable summary of the failure.
                examples:
                  - Tool not found
              status:
                type: integer
                description: HTTP status code, matching the response's own status.
              code:
                type: string
                description: >-
                  Stable machine-readable error code — branch on this, not
                  `title`.
                enum:
                  - tool_not_found
              detail:
                type: string
                description: Human explanation of this occurrence.
              request_id:
                type: string
                description: Correlation id, also sent as x-request-id.
          example:
            type: https://iotools.cloud/docs/errors/tool_not_found
            title: Tool not found
            status: 404
            code: tool_not_found
            detail: No tool with that slug. See GET /v1/tools/list.
            request_id: e4042b29-8f1e-4c7a-9b52-6f0d1a3c7e11
    PayloadTooLarge:
      description: Body too large.
      content:
        application/problem+json:
          schema:
            type: object
            description: >-
              RFC 9457 problem document, served as application/problem+json.
              Branch on `code`; `title` is human prose and may be reworded
              without notice. Some failures add extension members — `fields` on
              validation errors, `retry_after` on 429s,
              `credits_used`/`credits_remaining` on billing-adjacent failures —
              documented on the responses that carry them.
            required:
              - type
              - title
              - status
              - code
            properties:
              type:
                type: string
                format: uri
                description: Stable documentation URI for this failure.
                examples:
                  - https://iotools.cloud/docs/errors/payload_too_large
              title:
                type: string
                description: Short human-readable summary of the failure.
                examples:
                  - Payload too large
              status:
                type: integer
                description: HTTP status code, matching the response's own status.
              code:
                type: string
                description: >-
                  Stable machine-readable error code — branch on this, not
                  `title`.
                enum:
                  - payload_too_large
              detail:
                type: string
                description: Human explanation of this occurrence.
              request_id:
                type: string
                description: Correlation id, also sent as x-request-id.
          example:
            type: https://iotools.cloud/docs/errors/payload_too_large
            title: Payload too large
            status: 413
            code: payload_too_large
            detail: Request body exceeds this tool's size limit.
            request_id: e4042b29-8f1e-4c7a-9b52-6f0d1a3c7e11
    RateLimited:
      description: Per-minute rate limit exceeded.
      headers:
        Retry-After:
          description: Seconds to wait before retrying (RFC 9110 delta-seconds).
          schema:
            type: integer
      content:
        application/problem+json:
          schema:
            type: object
            description: >-
              RFC 9457 problem document, served as application/problem+json.
              Branch on `code`; `title` is human prose and may be reworded
              without notice. Some failures add extension members — `fields` on
              validation errors, `retry_after` on 429s,
              `credits_used`/`credits_remaining` on billing-adjacent failures —
              documented on the responses that carry them.
            required:
              - type
              - title
              - status
              - code
            properties:
              type:
                type: string
                format: uri
                description: Stable documentation URI for this failure.
                examples:
                  - https://iotools.cloud/docs/errors/rate_limited
              title:
                type: string
                description: Short human-readable summary of the failure.
                examples:
                  - Rate limit exceeded
              status:
                type: integer
                description: HTTP status code, matching the response's own status.
              code:
                type: string
                description: >-
                  Stable machine-readable error code — branch on this, not
                  `title`.
                enum:
                  - rate_limited
              detail:
                type: string
                description: Human explanation of this occurrence.
              request_id:
                type: string
                description: Correlation id, also sent as x-request-id.
              retry_after:
                type: integer
                description: >-
                  Seconds until the window resets — the same value as the
                  `Retry-After` header.
          example:
            type: https://iotools.cloud/docs/errors/rate_limited
            title: Rate limit exceeded
            status: 429
            code: rate_limited
            detail: Too many requests. Retry in 30s.
            request_id: e4042b29-8f1e-4c7a-9b52-6f0d1a3c7e11
            retry_after: 30
    ToolFailed:
      description: Tool failed to run.
      content:
        application/problem+json:
          schema:
            type: object
            description: >-
              RFC 9457 problem document, served as application/problem+json.
              Branch on `code`; `title` is human prose and may be reworded
              without notice. Some failures add extension members — `fields` on
              validation errors, `retry_after` on 429s,
              `credits_used`/`credits_remaining` on billing-adjacent failures —
              documented on the responses that carry them.
            required:
              - type
              - title
              - status
              - code
            properties:
              type:
                type: string
                format: uri
                description: Stable documentation URI for this failure.
                examples:
                  - https://iotools.cloud/docs/errors/processing_error
                  - https://iotools.cloud/docs/errors/internal_error
              title:
                type: string
                description: Short human-readable summary of the failure.
                examples:
                  - Tool failed to run
                  - Internal error
              status:
                type: integer
                description: HTTP status code, matching the response's own status.
              code:
                type: string
                description: >-
                  Stable machine-readable error code — branch on this, not
                  `title`.
                enum:
                  - processing_error
                  - internal_error
              detail:
                type: string
                description: Human explanation of this occurrence.
              request_id:
                type: string
                description: Correlation id, also sent as x-request-id.
              credits_used:
                type: integer
                description: >-
                  Always 0 on `processing_error` — a failed run is refunded,
                  floor included.
              credits_remaining:
                type: integer
                description: >-
                  Credits left after the refund. Absent when metering is
                  disabled.
          example:
            type: https://iotools.cloud/docs/errors/processing_error
            title: Tool failed to run
            status: 500
            code: processing_error
            detail: The tool failed to run. Please try again.
            request_id: e4042b29-8f1e-4c7a-9b52-6f0d1a3c7e11
            credits_used: 0
    ToolDisabled:
      description: Tool temporarily disabled.
      content:
        application/problem+json:
          schema:
            type: object
            description: >-
              RFC 9457 problem document, served as application/problem+json.
              Branch on `code`; `title` is human prose and may be reworded
              without notice. Some failures add extension members — `fields` on
              validation errors, `retry_after` on 429s,
              `credits_used`/`credits_remaining` on billing-adjacent failures —
              documented on the responses that carry them.
            required:
              - type
              - title
              - status
              - code
            properties:
              type:
                type: string
                format: uri
                description: Stable documentation URI for this failure.
                examples:
                  - https://iotools.cloud/docs/errors/tool_disabled
                  - https://iotools.cloud/docs/errors/api_unconfigured
              title:
                type: string
                description: Short human-readable summary of the failure.
                examples:
                  - Tool temporarily disabled
                  - API not configured
              status:
                type: integer
                description: HTTP status code, matching the response's own status.
              code:
                type: string
                description: >-
                  Stable machine-readable error code — branch on this, not
                  `title`.
                enum:
                  - tool_disabled
                  - api_unconfigured
              detail:
                type: string
                description: Human explanation of this occurrence.
              request_id:
                type: string
                description: Correlation id, also sent as x-request-id.
          example:
            type: https://iotools.cloud/docs/errors/tool_disabled
            title: Tool temporarily disabled
            status: 503
            code: tool_disabled
            detail: This tool is temporarily unavailable. Try again shortly.
            request_id: e4042b29-8f1e-4c7a-9b52-6f0d1a3c7e11
  securitySchemes:
    bearerAuth:
      type: http
      scheme: bearer
      bearerFormat: iot_live_…

````