This small (1.1M), free software calculates the return on investment (ROI) for any scenario. The user inputs cash flows (money in or money out) and the corresponding dates. Periodic and/or individual transactions are accepted. Sophisticated mathematics give the ROI. Great for playing 'what if' by investors or business decision makers.The instructions assume the user has NO EXPERIENCE and starts with the definition of ROI. Step-by-step examples are included with data already entered.