A green portfolio number does not tell you whether you actually beat keeping the money in an index fund. This calculator turns a crypto position into the two figures that matter — the raw ROI and the time-adjusted CAGR — then sets them against stock and gold benchmarks so you can judge the return in context.
How it works
Your cost basis is the purchase price multiplied by the quantity, and your current value is the current price times the same quantity. Profit is the difference, and ROI is that profit as a percentage of cost. ROI alone hides the role of time, so the tool also computes CAGR: the value-to-cost ratio raised to the power of one over the number of years, minus one. That single annual rate makes a two-year hold and a five-year hold directly comparable.
For context it applies assumed long-run annual returns to the same starting capital — about 10 percent for the S&P 500 and 7 percent for gold — compounded over your holding period. Comparing those benchmark gains to your crypto profit reveals the opportunity cost, and whether the extra volatility paid off.
Example and notes
Buy 10 coins at 100 dollars and sell at 250 after two years: cost is 1,000, value is 2,500, profit is 1,500, ROI is 150 percent, and CAGR is about 58 percent per year. Over the same two years, 1,000 dollars in the S&P 500 would have gained roughly 210 dollars. The figures are gross of fees and taxes, and the benchmark rates are illustrative averages, not promises.