Used only for formatting. No exchange rates are applied.
Starting position value before buy fee.
Exit value before sell fee.
Average entry price.
Exit or current price.
Used when coins held is blank.
Overrides amount invested when entered.
Trading, spread, network, or platform fee paid at entry.
Fee deducted when selling or valuing the exit.
Decimal years are supported.
Date the position started.
Date sold or measured.
Computed holding length: 2.00 years.
Alternative annual return to compare against.
Enter values to calculate net profit, ROI, CAGR, and benchmark comparison.
| Metric | Your HODL | Benchmark |
|---|---|---|
| Final value | - | - |
| Total ROI | - | - |
| Annualized return | - | - |
CAGR = (exit value after fees / total investment after fees)^(1/years) - 1. Benchmark final = total investment after fees x (1 + r)^years.
Inputs: $1,000 invested, $2,400 final value, 2 years, $10 buy fee, $10 exit fee.
Formula: net profit = $2,390 - $1,010 = $1,380; ROI after fees = $1,380 / $1,010.
Result: 136.63% ROI after fees and about 53.83% CAGR.
The investment more than doubled even after fees, and annualizing shows how strong the return was per year.
Inputs: $1,500 invested, $900 final value, 1.25 years, no fees.
Formula: net profit = $900 - $1,500 = -$600; ROI = -$600 / $1,500.
Result: -40.00% ROI and about -33.58% CAGR.
A negative CAGR shows the yearly compound rate that would turn the starting value into the lower ending value.
Inputs: $2,000 invested, $2,500 final value, 3 years, 6% benchmark.
Formula: benchmark final = $2,000 x 1.06^3 = $2,382.03; gap = $2,500 - $2,382.03.
Result: $117.97 ahead of benchmark, or about 4.95% outperformance versus the benchmark final value.
The HODL won, but the benchmark view shows the extra return after accounting for time.
exit value after fees - total investment after fees.net profit / total investment after fees x 100.(exit value after fees / total investment after fees)^(1 / years) - 1.total investment after fees x (1 + benchmark annual return)^years.ROI is the total percentage gain or loss over the entire holding period. CAGR is the annualized return: it converts the same beginning and ending values into the steady yearly rate that would produce that result. A 100% ROI over one year is very different from a 100% ROI over six years, and CAGR makes that difference visible.
Long holding periods can make a good-looking total return less impressive once annualized. A 2x return over six years is still a gain, but its CAGR is about 12.25%, not 100% per year. Dates or decimal years both feed the same annualization formula.
The benchmark is the alternative annual return you want to compare against. The calculator compounds your total investment after fees at that annual benchmark rate for the same holding period, then compares the benchmark final value with your actual exit value after fees.
The calculator does not estimate taxes, staking rewards, borrowing costs, leverage, liquidation risk, changing exchange rates, or multiple purchases and sales. It assumes one starting position and one ending value. If you bought more over time, use an IRR or money-weighted return calculator for the full cashflow history.
Subtract the total investment cost, including the buy fee, from the exit value after sell fees. The calculator calls this net profit/loss.
There is no universal good CAGR for crypto. A useful test is whether the annualized return compensated you for the volatility, drawdowns, and opportunity cost compared with a realistic benchmark.
It depends on the definition. This calculator shows ROI before fees and ROI after fees so you can see both the headline return and the more realistic net return.
Taxes can materially change real returns, but this calculator does not estimate tax. For personal tax treatment, consult a qualified tax professional.
Use the return you would reasonably expect from the alternative use of that money, such as a broad stock index, bond yield, savings yield, or your required hurdle rate.
This page assumes a single starting position and a single ending value. Multiple buys, sells, deposits, and withdrawals are better measured with IRR or money-weighted return.
ROI is total return across the whole period. CAGR annualizes that same return, which makes different holding periods easier to compare.
Opportunity cost is a major part of evaluating a HODL. If your position returned 80% in two years, but a diversified benchmark would have delivered 12% per year with lower volatility, the gap vs benchmark puts a concrete value on the difference. That number is not advice, but it helps frame whether the extra risk felt worthwhile and whether future allocations should be sized differently.