ROI Calculator
Total return flatters — annualized tells the truth. Both, instantly. Free, private, no signup.
Your investment
Total return
-
Annualized return (CAGR)-
Absolute gain-
Total return flatters; annualized tells the truth
56% sounds great — until you learn it took 3 years (15.98% p.a.) vs someone else's 56% in 1 year. Always annualize before comparing investments held for different periods.
- ROI = (final − cost) ÷ cost. Simple, but blind to time and to cash flows in between.
- Annualized = CAGR. The constant yearly rate that gets you from cost to final value. This is the number to compare against FD rates, inflation, other funds.
- Irregular cash flows? ROI breaks — use our XIRR calculator instead.
FAQs
ROI vs CAGR — what's the difference?
ROI is total return ignoring time; CAGR is the annualized equivalent. ₹50k → ₹78k is 56% ROI but 15.98% CAGR over 3 years.
Can ROI be negative?
Yes — a final value below cost gives negative ROI. The calculator shows it plainly; no hiding.
Does ROI include dividends?
Add all cash received (dividends, interest) to the final value for a true total-return ROI.
Is my data sent anywhere?
No. Everything is computed in your browser; nothing leaves your device.
Disclaimer: Estimates for illustration, computed in your browser — no data leaves your device.