ROI Calculator

ROI (return on investment) measures how much you gained relative to what you put in. The basic formula is ROI = (final value − cost) ÷ cost × 100. For example, turning ₹10,000 into ₹15,000 is a gain of ₹5,000, so ROI = 5,000 ÷ 10,000 × 100 = 50%. It is expressed as a percentage so investments of different sizes can be compared.

Simple (total) ROI is the whole-period return regardless of how long you held the investment. Annualized ROI converts that total into the equivalent compound yearly rate, so a 50% gain over 3 years (≈14.5% a year) and a 50% gain over 1 year (50% a year) become directly comparable. Use annualized ROI whenever the holding periods differ.

Annualized ROI = ((final value ÷ cost)^(1 ÷ years) − 1) × 100. It is the constant compound annual rate that would grow your cost into your final value over the holding period. For ₹600 growing to ₹800 over 3 years, that is (1.3333^(1/3) − 1) × 100 ≈ 10.06% a year, even though the simple ROI is 33.33%.

Simple ROI and rate of return (ROR) usually mean the same total-period return. Annualized ROI is mathematically identical to CAGR (compound annual growth rate) — both use ((end ÷ start)^(1/years) − 1). The label differs by context, but for a single lump sum held over a period the formula is the same.

Yes. If the final value is less than what you invested, ROI is negative — that is a loss, and this calculator reports it as a negative percentage rather than clamping it to zero. For example ₹10,000 falling to ₹7,000 is a −30% ROI.

The multiple is final value ÷ cost — how many times your money came back. A 1.0× return is breakeven, 1.4× is a 40% gain, and 2.0× means you doubled your money. It is just another way of reading the same result: multiple = 1 + ROI/100.

Annualized ROI needs a positive holding period because it divides by the number of years. If you leave the holding period at zero, the annual rate is mathematically undefined, so the calculator shows only the simple (total) ROI until you enter a duration.

No. It computes a gross, nominal return from the cost and final value you enter. If you want an after-tax, after-fee or real (inflation-adjusted) figure, subtract those costs from the final value (or add fees to the cost) before entering the numbers.

Enter the whole years and the remaining months in the two fields. The calculator converts them to a fraction of a year (t = years + months ÷ 12) and uses that fractional exponent in the annualized formula — the same way professional ROI calculators handle part-year periods.

Not this version. Simple and annualized ROI assume one lump sum in and one final value out. If you made regular contributions, partial withdrawals, or took dividends as cash, the correct measure is IRR (internal rate of return) or XIRR, which accounts for the timing of each cash flow. Fold any reinvested income into the final value if you want an approximate ROI.

It depends entirely on the asset, the risk, and the time held — which is why the annualized figure matters. Broad stock-market indices have historically returned roughly 7–10% a year before inflation, so an annualized ROI well above that came with more risk, and one below it underperformed a simple index. Always judge ROI against an alternative you could have invested in over the same period.

Use the same formula, but be careful what you count as cost. The cost should include every rupee (or dollar) you spent to acquire and prepare the property: purchase price, stamp duty and registration, brokerage, any renovation or furnishing outlay. The final value is what you received when you sold (or the current market value if you still hold it), plus any net rental income collected over the holding period. For example, buying for ₹80,00,000 with ₹5,00,000 in purchase costs and ₹10,00,000 in renovation gives a total cost of ₹95,00,000. Selling for ₹1,30,00,000 and having collected ₹6,00,000 in rent gives a final value of ₹1,36,00,000. ROI = (1,36,00,000 − 95,00,000) ÷ 95,00,000 × 100 ≈ 43.2%. Enter those two totals into this calculator and optionally add the holding period for the annualized rate.

ROI (return on investment) measures the return relative to the total capital deployed — including any borrowed money. ROE (return on equity) is a company-level metric that measures net income relative to shareholders' equity only, ignoring debt. For a personal investment you funded entirely with your own money the two are numerically the same. The difference matters when leverage is involved: buying a property with a 20% down payment and an 80% mortgage means your equity is the down payment, while your total investment is the full purchase cost — ROI and ROE will give very different percentages. This calculator computes ROI (total cost basis), not ROE.

Yes. ROI is a pure ratio, so the result is the same percentage regardless of currency — use the currency selector to display the cost, final value and net gain in your preferred currency (₹, $, €, £ or ¥).