ROI Calculator
Enter what you invested and what it is worth now to see your absolute gain, total return and the true yearly growth rate.
What is return on investment (ROI)?
Return on investment (ROI) answers the first question every investor asks: how much did my money actually make? It compares what you put in against what you got back, and expresses the difference as a percentage of the original amount — one figure that works the same way for shares, mutual funds, property, gold or a business.
This calculator gives you three readings at once: the net gain in rupees, the total ROI across the whole holding period, and — when you enter how long you stayed invested — the annualised return (CAGR), the steady yearly rate that total works out to. The annualised figure is the one to use when comparing investments held for different lengths of time.
The ROI formula
ROI % = (Final value − Amount invested) ÷ Amount invested × 100
- Amount invested — the money you originally put in
- Final value — what the investment is worth today, or what it actually sold for
- Net gain — final value minus amount invested, in rupees
When you also enter a holding period, the calculator annualises the result using the CAGR formula — the growth ratio raised to the power of one over the years, minus one — so a return earned across many years is never mistaken for a yearly rate.
How to use this calculator
- Enter the amount invested — the original purchase cost.
- Enter the current or sale value — what the investment is worth today, or the actual sale proceeds.
- Optionally set the holding period in years. Leave it out and you still get the net gain and total ROI; add it and the annualised return appears too.
Results update as you type. The chart splits the current value into what you invested and what the investment earned on top.
A worked example
₹1,00,000 invested, worth ₹2,50,000 after 5 years:
- Net gain: ₹2,50,000 − ₹1,00,000 = ₹1,50,000
- Total ROI: 150%
- Annualised return: 20.11% a year — the steady rate that turns ₹1 lakh into ₹2.5 lakh over five years
Losses read the same way: ₹2,00,000 that falls to ₹1,50,000 over 4 years shows a net gain of −₹50,000, a total ROI of −25% and an annualised −6.94% a year.
Total ROI or annualised return — which should you quote?
Total ROI is time-blind. The same 150% is an outstanding result over five years — it compounds at 20.11% a year — but a mediocre one stretched over fifteen, because the implied yearly rate falls to a fraction of that. Whenever time is involved, the annualised figure is the honest one.
Use total ROI for quick, one-off checks — did this deal make money? — and the annualised return to compare across investments or against benchmarks such as fixed deposit rates, index returns and inflation.
Profit is the gain in rupees; ROI expresses that gain relative to what you invested. A ₹50,000 profit is a 50% ROI on a ₹1,00,000 investment but only 5% on ₹10,00,000 — the percentage is what makes results comparable.
Total ROI does not — it reads the same whether the gain took two years or twenty. Enter the holding period and the calculator adds the annualised return (CAGR), which spreads the growth evenly across the years and makes different holding periods comparable.
Yes. Whenever the current or sale value is below the amount invested, the net gain and both percentages turn negative — the calculator handles losses exactly like gains. ₹2,00,000 falling to ₹1,50,000 over 4 years is a −25% total ROI, or −6.94% a year.
It depends on the asset and how long you held it. For listed shares and equity mutual funds, long-term gains (held over 12 months) above ₹1,25,000 a financial year are taxed at 12.5%, and short-term gains at 20% — the rates current for FY 2025-26, revisable in any Budget. Most other assets are taxed at your slab rate or under separate capital gains rules, and EasyTax can help you report them correctly when you file.
Judge it against the alternatives and against inflation. Bank fixed deposits currently earn roughly 6.5–7.5% a year, broad equity indices have historically delivered 10–14% over long periods, and consumer inflation has averaged around 6%. An annualised return below inflation means your purchasing power shrank even though the rupee figure grew.
ROI and CAGR assume one investment going in and one value coming out. A SIP has many instalments on many dates, so its true return needs XIRR, which weights each cash flow by its timing. Use this page for lump-sum style investments and the XIRR calculator for SIPs and irregular flows.