Crypto ROI calculator
A crypto portfolio is usually a mix of winners and losers bought at different times, so a single headline coin says little about how you have really done. Enter what you put into up to four coins, what each is worth now, any staking rewards and how long you have held, and this calculator gives your overall return and its yearly equivalent. It then compares the result with what a savings account and an index fund would have paid over the same time.
What the same money would be worth
Your invested total grown at each rate over the same time, next to your crypto today.
Coin by coin
Each holding's gain, return and share of your money. Bigger holdings weigh more in the overall result.
| Holding | Invested | Worth now | Gain | ROI | Share of money in |
|---|
How crypto ROI is worked out
The calculator adds up what you put in and what it is worth today, counts rewards as part of the return, then scales the result to a yearly rate so it can be compared fairly.
Totals
Add up the four holdings.
invested = Σ invested, value = Σ worth now + rewards
ROI
Gain as a share of what you put in.
ROI = (value − invested) ÷ invested
Annualised
The yearly rate that compounds to the same result over your holding period.
annualised = (1 + ROI)12 ÷ months − 1
Comparison
Your invested total grown at the savings and index rates for the same months.
alternative = invested × (1 + rate)months ÷ 12
Crypto ROI questions
How do you calculate crypto ROI?
Subtract what you invested from what your holdings are worth now, add any rewards you received, and divide by what you invested. $4,000 that is now worth $5,400 with $100 of staking rewards is a gain of $1,500, or 37.5 percent.
Why annualise the return?
A 40 percent gain sounds the same whether it took 6 months or 4 years, but it is very different. Annualising turns any holding period into a yearly rate, which makes it possible to compare crypto with savings, bonds or stock funds.
Should staking rewards count?
Yes. Rewards from staking, lending or airdrops are part of your return. Count them at their dollar value when received, and remember they are often taxed as income in the year you get them.
What should I compare my crypto returns with?
With what the same money could have earned elsewhere over the same time, at much lower risk. The calculator compares your result with a savings rate and a stock index return you choose. If crypto only just beats them, the extra risk may not have been worth it.
Does this include fees?
Use amounts after fees: what you actually paid including buy fees, and what you would actually receive if you sold today. That way the return reflects the money in your pocket.
Why is my overall ROI different from the average of my coins?
Because bigger holdings count more. A 200 percent gain on $100 matters less than a 20 percent loss on $5,000. The portfolio ROI weights each coin by how much you put in.