Stock and Crypto Trade Profit Calculator
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Saving & investing
Return on Investment Calculator: Cumulative ROI
Measure the profit earned relative to the capital invested using your totals. The result is cumulative, so use dated cash-flow returns when timing or intermediate deposits matter.
Your numbers
How the calculation works
Cumulative ROI compares profit with the capital invested, without giving different dates different weights. It is useful when you have total capital, cash receipts, remaining value and attributable costs rather than a dated transaction schedule.
ROI = (receipts + remaining value − invested capital − additional costs) ÷ invested capital × 100.
Establish total value recovered
Add the receipts and remaining value in the single supplied field. Unsold assets can therefore contribute a valuation rather than cash already received.
Calculate cumulative profit
Subtract invested capital and the separate additional costs. This is the amount gained or lost over the entire included investment history.
Relate profit to invested capital
Divide profit by the original capital denominator to obtain the ROI ratio, then express it as a percentage. No time interval is inferred from these totals.
Worked example: Check Return on investment
Sample inputs demonstrate the method. They are not a forecast or product offer.
The first example invests 1,000, recovers 1,300 and incurs 100 of additional costs. Profit is 200; dividing that by the 1,000 capital denominator produces a cumulative ROI of 20%.
- Total invested capital
- 1000
- Cash received plus remaining asset value
- 1300
- Additional attributable costs
- 100
- Currency for all amounts
- Euro (EUR)
Expected result
- Return on investment
- 20%
Worked example: Check Return on investment
Sample inputs demonstrate the method. They are not a forecast or product offer.
- Total invested capital
- 500
- Cash received plus remaining asset value
- 400
- Additional attributable costs
- 0
- Currency for all amounts
- Euro (EUR)
Expected result
- Return on investment
- -20%
Understanding your result
Equal ROI percentages over different holding periods are not equal annual performance. CAGR requires a suitable start/end case, while IRR or XIRR incorporates intermediate cash flows.
ROI is also different from advertising revenue divided by advertising spend. That revenue-based measure can remain positive when the net investment profit is negative.
Questions you might have
What does the result include?
Measure cumulative profit against total invested capital, without treating the result as an annualised or time-weighted return.
Which limits should I check?
The Excel variant requires the separate provided formula template; the browser calculation itself is not an Excel workbook.
Choosing the right inputs
- Total invested capital
- Enter the capital denominator for this comparison once. Do not also deduct the same capital as an additional cost.
- Cash received plus remaining asset value
- Combine money already received with any remaining asset value. Include only one valuation of assets still held.
- Additional attributable costs
- Enter additional costs not already included in invested capital or removed from the receipts. The tool cannot detect duplicated accounting entries.
Common mistakes to avoid
- Do not enter both a sale receipt and the value of the same asset as still held.
- The downloadable formula template is CSV, not a native Excel workbook or evidence of Excel execution.
Assumptions to check
- The Excel variant requires the separate provided formula template; the browser calculation itself is not an Excel workbook.
- All calculations run on your device. Figures are scenarios based on your inputs, not investment recommendations.
Sources and method
Read our calculation and testing approach.