📈ROI Calculator

Stock Return Calculator

Calculate total returns including capital gains, dividends, fees, and annualized performance for your stock investments.

Investment Details

Total Return

📈
£0.00
0.00%
Annualized: 0.00% per year
Initial Investment
£5,010.00
100 shares @ £50.00
Current Value
£7,490.00
100 shares @ £75.00
Capital Gain/Loss
£0.00
0.00% price change
Total Dividends
£500.00
9.98% yield

Investment Breakdown

Return Components

💡 Performance Insights

Return Category
âš  Below average (<5% annually)
Fee Impact
Fees reduced your return by 0.40%. Consider low-cost brokers to maximize returns.
Comparison
S&P 500 historical: ~10% annually
UK FTSE 100 historical: ~7-8% annually

📋 UK Tax Implications

Capital Gains Tax (2025/26):

  • • CGT Allowance: £3,000
  • • Basic rate: 10%
  • • Higher rate: 20%

Use ISAs to avoid CGT on gains. Only gains above the allowance are taxed.

💎 Auto-Calculate

Track Returns Automatically

Trio calculates your returns automatically with real-time prices and dividend tracking

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Understanding Stock Returns

Total Return vs Capital Gain

Total return includes both capital appreciation and dividends. Many investors focus only on stock price changes, but dividends can contribute 30-50% of long-term returns for dividend-paying stocks.

Annualized Returns

Annualized (or CAGR - Compound Annual Growth Rate) allows you to compare investments held for different time periods. A 100% return over 10 years equals 7.2% annualized, which is easier to compare with other investments.

Impact of Fees

Trading fees can significantly impact returns, especially on smaller investments. A £10 fee on a £1,000 investment is 1% - you need to beat the market by 1% just to break even. Use zero-commission brokers when possible.

Realistic Return Expectations

Conservative: 5-7% annually (bonds, dividend stocks)
Moderate: 7-10% annually (diversified stock portfolio)
Aggressive: 10-15%+ annually (growth stocks, higher risk)

Past performance doesn't guarantee future results. Most professional investors struggle to consistently beat 10% annually.