Free Tool — Europe
Investment ROI Calculator
Calculate your total profit, annual return and CAGR on any investment — stocks, real estate, ETFs or savings. Built for European investors.
Enter Investment Details
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€100€500k
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€100€500k
yrs
1 yr40 yrs
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Total Return (ROI)
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Net Profit
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CAGR
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Initial
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Final Value
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| Year | Value | Profit | ROI % |
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Frequently Asked Questions
What is a good ROI for investments in Europe?
A good ROI in Europe is 7–10% annually for stock market index funds. Real estate averages 4–6%, bonds 2–3.5%, and high-yield savings 2.5–4% in 2026. Anything above 10% consistently is excellent but comes with higher risk.
What is CAGR and why is it important?
CAGR (Compound Annual Growth Rate) shows the steady annual rate at which an investment grows. Unlike simple ROI, it accounts for compounding. For example, €10,000 growing to €18,500 in 5 years = 85% total ROI but 13.1% CAGR — the more meaningful number for comparisons.
What is the best investment for Europeans in 2026?
For most European investors, low-cost index ETFs (MSCI World or S&P 500) remain the best long-term option with historical returns of 8–10% p.a. Platforms like Trade Republic, Scalable Capital, and DEGIRO offer commission-free ETF investing across Europe.
How do investment fees affect my returns?
Fees compound against you just as returns compound for you. A 1% annual fee on €10,000 over 30 years at 8% return costs you over €17,000 in lost gains. Always choose ETFs with an expense ratio below 0.5% and use platforms with no or minimal trading fees.
Should I invest or pay off debt first?
Pay off high-interest debt first (credit cards, personal loans above 8%). Then build an emergency fund of 3–6 months expenses. Then invest. If your debt interest rate is below your expected investment return (e.g. mortgage at 3% vs 8% ETF return), investing while carrying the debt can make sense.