ROI Calculator
Calculate total and annualized return on investment. Compare gains on property, equity, gold or any asset.
Last updated: 12 July 2026. Fees and inflation are optional inputs; taxes are not applied automatically — use after-tax values for net ROI.
What is return on investment (ROI)?
ROI tells you how much you gained or lost on an investment relative to what you put in. It applies to stocks, mutual funds, property, business projects, gold or any asset where you know a starting value and an ending value.
This calculator shows total ROI, annualized ROI (CAGR), optional real CAGR after inflation, and a goal-seek mode for target returns. Holding period can be years or calendar dates.
How ROI is calculated
Total ROI (%) = ((Final value − Initial investment) ÷ Initial investment) × 100
Annualized ROI / CAGR (%) = ((Final ÷ Initial)1 ÷ years − 1) × 100
Worked example: ₹1,00,000 grows to ₹1,50,000 in 3 years. Net gain = ₹50,000; total ROI = 50%; annualized ROI ≈ 14.47% per year.
Key concepts
ROI is asset-agnostic — the formula is the same whether you measure a flat, equity SIP, or side business. What changes is risk, liquidity and taxes on exit.
CAGR assumes a single lump-sum investment with no intermediate deposits or withdrawals. SIP portfolios with multiple cash flows need XIRR for accuracy (covered in our mutual fund returns calculator in a later release).
Tax treatment
Tax reduces net ROI. Capital gains on equity, debt, property and gold are taxed under different sections and holding-period rules in the Income Tax Act. Enter after-tax final values if you want net ROI, or use our income tax and TDS calculators for planning.
ROI vs EMI vs FD
| Feature | ROI / CAGR | EMI | FD maturity |
|---|---|---|---|
| Purpose | Measure gain or loss on any investment | Plan loan repayment instalments | Project fixed deposit maturity |
| Inputs | Start/end value, dates or years, fees, inflation | Loan amount, rate, tenure | Lump sum, rate, tenure |
| Risk | Depends on the underlying asset | Borrowing cost — not an investment return | Low; bank deposit risk |
Borrowing decisions: EMI calculator. Guaranteed savings: FD calculator.
Who should use an ROI calculator?
Investors reviewing portfolio performance, entrepreneurs comparing project outcomes, and buyers estimating appreciation on property or gold before selling. Useful whenever you need a quick percentage return without building a spreadsheet.
Frequently asked questions about ROI
What is ROI?
Return on investment (ROI) expresses net profit or loss as a percentage of the original amount invested: ((Final value − Initial investment) ÷ Initial investment) × 100.
What is annualized ROI (CAGR)?
Compound annual growth rate smooths returns over multiple years: ((Ending ÷ Beginning)^(1 ÷ years) − 1) × 100. It helps compare investments held for different periods.
Does ROI include taxes and fees?
You can enter brokerage or other costs in the fees field — they are added to cost basis before ROI and CAGR. Taxes are not auto-applied; use after-tax final value if you want net ROI.
What is real (inflation-adjusted) CAGR?
Real CAGR approximates purchasing-power growth: ((1 + nominal CAGR) ÷ (1 + inflation) − 1) × 100. Enter an inflation rate to compare nominal vs real annualized returns.
Can I solve for a target return?
Yes. Goal-seek mode estimates the final value needed for a target CAGR, or the investment required to reach a known final value at that rate.
Can ROI be negative?
Yes. If the final value is below your initial investment, net gain and ROI are negative, indicating a loss on the position.
ROI vs absolute return — what's the difference?
Absolute return is the rupee gain or loss. ROI expresses the same outcome as a percentage of capital deployed, making comparisons across different ticket sizes easier.
When is annualized ROI not shown?
If the holding period is zero years, only total ROI is meaningful. Enter at least one year (or a fraction via planning) for CAGR.
Is ROI the same as mutual fund returns?
Conceptually similar for a single lump-sum investment. Mutual fund factsheets may also show XIRR for SIP cash flows. Use our mutual fund returns calculator for redemption-based figures.
Can I use ROI for property?
Yes. Enter purchase cost as initial investment and current sale or valuation as final value. Exclude stamp duty and renovation in the initial figure if you want ROI on purchase price alone.
What is a good ROI?
There is no universal benchmark — it depends on asset class, risk and time horizon. Compare against FD rates, inflation and relevant market indices rather than a fixed percentage.
Is this financial advice?
No. This tool performs arithmetic on numbers you provide. Consult a qualified adviser for investment or borrowing decisions.
ROI calculator for property bought at ₹80 lakh sold at ₹1.2 crore after 8 years?
Enter buy cost, sell value and holding period for absolute ROI and annualised CAGR. Add costs (stamp duty, brokerage) into the investment amount for a fairer picture. Taxes are not auto-deducted.
How to calculate ROI on gold jewellery vs digital gold in India?
Use purchase amount and current value over the same holding period. Jewellery making charges often reduce effective ROI versus bullion/digital gold. This tool does not include making charges unless you add them to cost.
Disclaimer: Illustrative math only. Past returns do not guarantee future performance. Not financial, legal or tax advice.
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