Crypto ROI calculator
Most crypto portfolios hold some winners and some losers bought at different times, so judging by your best coin hides 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 them, and you get your overall return and its yearly equivalent. That figure is then set against what a savings account and an index fund would have paid over the same period.
The same money elsewhere
What your total investment would have grown to at each rate over the same period, next to your crypto today.
Each coin in turn
Every holding's gain, return and share of your money. Larger holdings count for more in the overall figure.
| Holding | Invested | Worth now | Gain | ROI | Share of money in |
|---|
How crypto ROI is calculated
The calculator totals what you invested and what it is worth now, counts rewards as return, and converts the result to a yearly rate so it can be compared fairly.
Totals
Add the four holdings together.
invested = Σ invested, value = Σ worth now + rewards
ROI
The gain as a share of the money put in.
ROI = (value − invested) ÷ invested
Annualised rate
The steady yearly rate that would give the same result over the time you held.
annualised = (1 + ROI)12 ÷ months − 1
Benchmarks
Your invested total grown at the savings and index rates for the same number of months.
alternative = invested × (1 + rate)months ÷ 12
Crypto ROI FAQ
How is crypto ROI calculated?
Subtract the amount invested from what the holdings are worth now, add any rewards, and divide by the amount invested. $4,000 now worth $5,400 plus $100 of staking rewards is a $1,500 gain, or 37.5 percent.
Why convert the return to a yearly rate?
A 40 percent gain sounds the same whether it took 6 months or 4 years, but those are very different results. An annualised rate makes any holding period comparable with savings, bonds or stock funds.
Do staking rewards count as return?
Yes. Staking, lending and airdrop rewards all add to your return. Value them in dollars on the day you received them, and remember they are often taxed as income in that year.
What should crypto returns be compared with?
What the same money could have earned elsewhere over the same time with far less risk. The calculator uses a savings rate and a stock index return you set. If crypto only just beats them, the extra risk may not have paid.
Are fees included?
Enter amounts after fees: what you really paid including buying fees, and what you would really get if you sold today. Then the return reflects the money that actually reaches you.
Why is my portfolio ROI not the average of my coins?
Because bigger holdings weigh more. A 200 percent gain on $100 matters less than a 20 percent loss on $5,000, so the portfolio figure weights each coin by the money invested in it.