ROI Calculator Nigeria — Return on Investment & Annualised Return
Calculate ROI, annualised return (CAGR), and profit amount for any Nigerian investment. Compare with inflation and fixed deposit rates.
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Preset investments:
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Total ROI
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Annualised Return (CAGR)
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Profit / (Loss)
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Real Return (after inflation)
Investment Analysis
Comparison with Common Nigerian Investments
| Investment Type | Typical Annual Return | Risk Level |
|---|---|---|
| Bank Savings Account | 4–6% | Very Low |
| Fixed Deposit (12 months) | 12–18% | Very Low |
| Treasury Bills (T-Bills) | 18–22% | Very Low |
| Real Estate (Lagos) | 15–25% | Medium |
| NGX All-Share Index (average) | 15–20% | High |
| Agricultural Business | 20–40% | Medium-High |
| Starting a Business | Variable (can be 100%+) | High |
Frequently Asked Questions
What is ROI and why does it matter for Nigerian businesses?
ROI (Return on Investment) measures how much profit you make relative to what you invested. It is one of the most important metrics for Nigerian entrepreneurs deciding whether to invest in equipment, marketing, real estate, or stocks. A positive ROI means the investment made money; negative means a loss.
What is the difference between ROI and annualised return?
Simple ROI shows total percentage gain without considering time. Annualised return (CAGR) adjusts for how long you held the investment, making it easier to compare a 1-year investment with a 5-year one on an equal footing. Use annualised return when comparing investments of different durations.
What is a good ROI in Nigeria?
With inflation often running 20–30%, a good investment should at least beat inflation. Fixed deposits typically offer 15–20% per year. Real estate in Lagos can return 15–25% annually through appreciation. Stock market (NGX) has historically averaged 15–20% annually over long periods. Any investment returning less than inflation is losing real value.
How do I account for inflation in ROI?
To get real (inflation-adjusted) ROI: Real ROI = ((1 + Nominal ROI) / (1 + Inflation Rate)) - 1. For example, a 25% nominal ROI with 22% inflation gives a real ROI of only about 2.5%. Always consider real returns when evaluating long-term Nigerian investments.