ROI Calculator

An ROI calculator that measures the total return on an investment, the rupee gain or loss, and the annualized return (CAGR) that makes investments with different holding periods comparable.

Return on investment (ROI) is your gain or loss expressed as a percentage of what you put in: ROI = (final value − initial investment) ÷ initial investment × 100. It's the universal scorecard for any investment — this calculator gives you that total ROI, the absolute gain or loss in rupees, and the annualized return (CAGR), which is the figure that makes different investments comparable.

Total ROI alone can mislead because it ignores time. An 80% total return sounds excellent — but over 10 years it's a modest 6.1% a year, less than many fixed deposits, while over 3 years it's an outstanding 21.6% annually. CAGR = (final ÷ initial)^(1/years) − 1 smooths the entire journey into a single steady annual rate, which you can then hold against benchmarks: recent FD rates around 7%, long-run index returns of 11–12%, or inflation at 5–6%. Any investment whose CAGR trails inflation lost purchasing power, whatever the rupee gain says.

Use it for more than stocks: property (include purchase costs and improvements in the initial amount), gold, a business you invested in, a course that raised your salary, or marketing spend against the revenue it produced. For honest numbers, add incidental costs — brokerage, stamp duty, taxes on exit — to the initial investment or subtract them from the final value. The calculator handles losses too: a final value below the initial simply shows a negative ROI.