ROI Calculator

Return on investment (ROI) is the gain or loss on an investment as a percentage of what you put in. It works for anything: shares, property, a business expense or a marketing campaign.

Add the holding period to see the yearly return.
Results update as you type.

Return on investment

50%

a gain of ₹50,000

Annualised return
14.471%over 3 years
Gain or loss
₹50,000
Value ÷ invested
1.5×

About this calculator

Enter what you invested and what you got back or what it is worth now. Add how long you held it to also see the yearly (annualised) return, which lets you compare investments held for different periods.

How to use it

  1. Enter the amount invested.
  2. Enter the amount returned or its current value.
  3. Optionally enter the holding period in years.
  4. Read the ROI and the annualised return.

The formula

ROI = (returned − invested) ÷ invested × 100 Annualised = (returned ÷ invested)1 ÷ years − 1
invested
the total amount put in
returned
the amount received or the current value
years
how long the investment was held

Worked example

₹1 lakh that became ₹1.5 lakh in 3 years

  1. ROI = (1,50,000 − 1,00,000) ÷ 1,00,000 × 100 = 50%.
  2. Annualised = 1.51 ÷ 3 − 1 = 14.471% a year.

What the result means

ROI ignores time, so 50% over 3 years and 50% over 10 years look the same. The annualised figure corrects for that and is the better number for comparisons.

Include all costs, such as brokerage, stamp duty, maintenance or taxes, in the amount invested to get an honest ROI.

Assumptions

  • A single amount invested at the start and a single value at the end.

Limitations

  • For money added or withdrawn at different times, use the XIRR calculator instead.
  • ROI does not show risk.

Frequently asked questions

What is a good ROI?

It depends on the risk and the time. Compare the annualised return with a safe option such as an FD or PPF over the same period.

Is ROI the same as CAGR?

ROI is the total return. CAGR, shown here as the annualised return, is the yearly rate that produces the same result.

Can ROI be negative?

Yes, when you get back less than you put in.

For information only. This calculator gives estimates based on the figures you enter and the assumptions listed above. It is not financial advice. Actual amounts depend on the lender’s or institution’s terms, fees, rounding and rate changes. Please confirm with them before you decide.

Last reviewed on 1 October 2026. Found a mistake? Tell us.