Calculator Inputs
Enter investment cash flows, costs, market value, leverage, and risk assumptions. The calculator then returns multiple ratios in one run.
Formula Used
This calculator combines capital, value, cash flows, fees, leverage, and risk inputs to produce both basic and advanced investment ratios.
Core Amount Formulas
Total Invested = Initial Investment + Additional Contributions
Gross Return Value = Current Value + Income Received + Withdrawals
Net Profit = Gross Return Value - Total Invested - Fees and Costs
Required Current Value = [Total Invested × (1 + Target ROI)] + Fees - Income - Withdrawals
Ratio Formulas
Investment Multiple = Gross Return Value ÷ Total Invested
Profit Ratio = Net Profit ÷ Total Invested
ROI % = Profit Ratio × 100
Income Yield % = Income Received ÷ Total Invested × 100
Fee Drag % = Fees and Costs ÷ Total Invested × 100
Debt-to-Equity = Borrowed Capital ÷ Total Invested
Net Exposure Ratio = (Total Invested + Borrowed Capital) ÷ Total Invested
Annualized Return % = [(Net Ending Value After Fees ÷ Total Invested)^(1 ÷ Years) - 1] × 100
Sharpe Proxy = (Annualized Return % - Risk-Free Rate %) ÷ Volatility %
How to Use This Calculator
- Choose a currency symbol for display and downloads.
- Enter your initial investment and any extra contributions added later.
- Type the current market value of the position today.
- Add income received, such as dividends, rent, or coupon cash flows.
- Enter withdrawals already taken from the investment.
- Include all fees, commissions, taxes, or management charges you want measured.
- Add borrowed capital if leverage was used.
- Provide holding years, benchmark return, risk-free rate, volatility, and target ROI.
- Press the calculate button to show results above the form.
- Use the graph and export buttons for reporting or comparison.
Example Data Table
This sample uses the same example values prefilled in the calculator so you can confirm how the ratios are derived.
| Category | Item | Sample Value | Meaning |
|---|---|---|---|
| Input | Initial Investment | $100,000.00 | Starting capital committed |
| Input | Additional Contributions | $20,000.00 | Extra capital added later |
| Input | Current Market Value | $145,000.00 | Present value of holdings |
| Input | Income Received | $6,000.00 | Cash income earned |
| Input | Withdrawals | $4,000.00 | Cash already taken out |
| Input | Fees and Costs | $2,500.00 | Total friction cost |
| Output | Total Invested Capital | $120,000.00 | Initial plus additional contributions |
| Output | Gross Return Value | $155,000.00 | Current value plus cash inflows |
| Output | Net Profit | $32,500.00 | Return after invested capital and fees |
| Output | Investment Multiple | 1.2917x | Gross return relative to invested capital |
FAQs
1) What does the investment multiple show?
It shows how many times your gross return value covers total invested capital. A value above 1.0000x means gross returns exceed invested money before netting fees.
2) Why are fees subtracted from profit?
Fees reduce the actual wealth created by the investment. Ignoring them can overstate performance, especially in actively managed or leveraged strategies with repeated transaction costs.
3) What is the difference between ROI and annualized return?
ROI measures total gain relative to invested capital over the full holding period. Annualized return converts that total result into an approximate yearly growth rate for easier comparison.
4) Why include withdrawals in gross return value?
Withdrawals are cash already received from the investment. Counting them prevents understatement of total economic return when part of the gain was taken out earlier.
5) What does the debt-to-equity ratio mean here?
It measures how much borrowed capital was used relative to your own invested capital. Higher values indicate more leverage and usually higher sensitivity to gains, losses, and fees.
6) Is the Sharpe proxy a complete risk model?
No. It is a simplified comparison of excess return against volatility. It helps for quick screening, but it does not replace deeper risk analysis, drawdown testing, or scenario modeling.
7) Can this calculator be used for dividends, real estate, or trading?
Yes. Any investment with capital committed, current value, cash inflows, costs, and risk assumptions can fit this structure, including funds, rental assets, and active portfolios.
8) What does the gap to target tell me?
It shows how far the current value is from the level needed to hit your target ROI after accounting for income, withdrawals, and fees. A negative gap means the target is already met.