ROI Calculator
Calculate your return on investment as a percentage and annualized rate. The same investment can have very different after-tax returns depending on where you live.
How ROI Is Reported and Taxed by Country
ROI math is universal — but how much of that return you keep after tax varies dramatically by country.
| Country | Long-Term CGT Rate | Annual Allowance | Tax-Free Account |
|---|---|---|---|
| 🇺🇸 United States | 0%, 15%, or 20% | None (short-term = ordinary income) | 401k / Roth IRA |
| 🇬🇧 United Kingdom | 18% / 24% | £3,000/year CGT allowance | ISA (£20k/yr limit) |
| 🇦🇺 Australia | 50% discount (held >12 mo) | None | Super (concessional) |
| 🇨🇦 Canada | 50% inclusion rate | TFSA contribution room | TFSA / RRSP |
| 🇩🇪 Germany | 26.375% (Abgeltungsteuer) | €1,000 Sparerpauschbetrag | None standard |
Frequently Asked Questions
What is a realistic ROI for different asset classes?
Historically: global equities ~7–10% annualized, real estate 4–8% (plus leverage), bonds 2–5%, cash/savings 0.5–5% depending on rate environment. These are pre-tax returns — subtract your capital gains tax rate for your true after-tax ROI.
How does the UK ISA improve effective ROI?
A UK ISA (Individual Savings Account) lets you invest up to £20,000 per year with all gains and income completely tax-free. A 10% gross ROI stays 10% net inside an ISA, versus 8.1% after the 18% CGT rate for basic-rate taxpayers outside an ISA.