XIRR Auditor
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Calculate profit, ROI, and annualized return from a stock trade. Enter buy price, sell price, number of shares, and optional fees or holding period.

Trade details
$

Price you paid per share

$

Price you sold at per share

Total shares bought and sold

$

Buy + sell commissions combined (0 for free brokerages)

Enter to compute annualized CAGR (leave blank for ROI only)

Profit vs. ROI vs. CAGR

Profit is the raw dollar gain or loss. ROI (return on investment) is profit as a percentage of your cost basis — useful for comparing trades of different sizes. CAGR (compound annual growth rate) annualizes ROI based on the holding period — it lets you compare a 50% gain in 6 months against a 100% gain over 3 years on equal footing.

Why break-even price matters

Break-even is the minimum sell price to avoid a net loss after fees. It's always higher than your buy price when fees are included. If you paid $120/share and $10 in fees on 50 shares, break-even is $120.20/share — you need to sell above that to net a profit.

Frequently asked questions

Should I include taxes in the fee field?

This calculator focuses on pre-tax P&L and ROI. Taxes depend on your holding period (short vs. long-term capital gains) and tax bracket. For an after-tax view, deduct expected taxes from the sell proceeds manually.

How is CAGR different from ROI?

ROI ignores time — a 100% ROI could take 1 year or 10 years. CAGR normalizes for time: 100% ROI in 1 year = 100% CAGR; in 10 years = only ~7.2% CAGR. CAGR is essential for comparing investment performance.

What about partial sells / averaging?

This calculator assumes you bought and sold the full position at one price each. For multiple buy lots at different prices, use the Average Cost Calculator first to find your blended buy price.

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