ROI Calculator
With CAGRCalculate your Return on Investment (ROI) and annualised CAGR for any asset — stocks, mutual funds, real estate, FD, or business. Includes net profit, return multiplier, and growth projections.
Calculation Mode
Annualised ROI (CAGR) accounts for the holding period to compare investments fairly.
Investment Details
Quick Examples
Per year · 3.0 year holding period
You gained 50.00% on your investment
Every ₹100 invested returned ₹150.00. Your money grew 1.50x over 3 years.
Investment Summary
Initial Cost
₹1,00,000
Additional Costs
₹0
Total Invested
₹1,00,000
Net Gain/Loss
+₹50,000
Multiplier
1.50x
Holding Period
3 years
Growth Projection
If ₹1,00,000 grows at 14.47% p.a. (your CAGR):
ROI & CAGR Formulas
Basic ROI
Where Net Profit = Final Value − Total Cost (initial + additional costs). Does not consider time period.
Annualised ROI (CAGR)
Where FV = Final Value, IV = Initial Investment, n = Years. Gives a comparable annual rate.
Enter Cost
Your initial investment and any additional costs (brokerage, tax, fees).
Final Value
The current or exit value of your investment.
Time Period
How long you held the investment — in days, months, or years.
Get ROI
See your basic ROI, CAGR, multiplier, and 5-year projection.
Typical ROI by Asset Class in India
Historical average returns across popular investment categories. Use these as benchmarks for your own ROI.
| Asset Class | Typical Annual Return |
|---|---|
| 🏦Fixed Deposit (FD) | 6.5 – 8% |
| 📊PPF | 7.1% |
| 📈Debt Mutual Funds | 7 – 9% |
| 🥇Gold | 10 – 12% |
| 🏠Real Estate | 8 – 14% |
| 📉Equity / Stocks | 12 – 18% |
| 💹Equity Mutual Funds | 12 – 15% |
| 🚀Startups / PE | 20%+ |
ℹ️Returns are historical averages and not guaranteed. Past performance does not indicate future results.
When to Use ROI vs CAGR
Use Basic ROI when…
- ✓Comparing two investments of the same duration
- ✓Evaluating a marketing campaign return
- ✓Calculating profit on a quick trade
- ✓You only care about total gain, not time
Use CAGR when…
- ✓Comparing investments held for different periods
- ✓Benchmarking against market indices
- ✓Evaluating mutual fund performance
- ✓Planning for long-term financial goals
Frequently Asked Questions
What is ROI (Return on Investment)?
ROI is a performance metric used to evaluate the efficiency of an investment. It measures the return relative to the cost of investment. Formula: ROI = (Net Profit ÷ Total Cost) × 100. A positive ROI means a gain; negative means a loss.
What is the difference between ROI and CAGR?
ROI measures total return regardless of time — useful for simple comparisons. CAGR (Compound Annual Growth Rate) is the annualised ROI that accounts for the holding period, making it better for comparing investments held for different durations. CAGR = (Final Value / Initial Value)^(1/Years) - 1.
What is a good ROI?
A "good" ROI depends on the asset class and risk involved. In India, equity markets have historically returned 12–15% CAGR over the long term. FDs offer 6–8%, real estate 8–12%, and gold 10–12%. Any return above your benchmark or inflation rate (~6%) is generally considered positive.
How do I include transaction costs in ROI?
Use the "Additional Costs" field to include brokerage fees, STT, GST, capital gains tax, registration charges, or any other cost. Adding these gives you a more accurate net ROI reflecting the real return you received.
Can ROI be negative?
Yes. A negative ROI means your investment lost value. For example, if you invested ₹1,00,000 and got back ₹80,000, your ROI is -20%. This is common in equity markets in the short term, which is why long-term investing is generally recommended.
What is a Return Multiplier?
The return multiplier (also called money multiple or MOIC) shows how many times your initial investment grew. A multiplier of 2x means your money doubled; 0.8x means you got back 80% (a 20% loss). It's a simple way to visualise investment growth without percentages.