Calculate Return on Investment, annualized ROI, and CAGR. Compare your investment against FD, Gold, and Nifty 50 benchmarks.
Investment Details
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Final Value
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Additional Returns (Optional)
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Holding Period
1 yr30 yrs
ROI (Return on Investment)
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Total return on your investment
Net Profit
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Annualized ROI (CAGR)
0%
Wealth Multiple
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Total In
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Total Out
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Holding Period
0 yrs
📝 Formula
ROI = (Net Profit / Initial Investment) × 100
Net Profit = Final Value + Dividends − Initial − Costs | Annualized ROI = (Final/Initial)^(1/n) − 1 Total Out = Final Value + Dividends − Costs | Wealth Multiple = Total Out / Initial Investment
🏗 Benchmark Comparison (Annualized)
Your Investment vs Benchmarks — Growth Over Years
ⓘ ROI does not account for inflation. Real return = Nominal return − Inflation rate (approx). At 6% inflation, a 12% ROI gives ~5.7% real return. Compare annualized ROI to CAGR benchmarks for fair assessment.
Frequently Asked Questions
What is ROI? +
ROI (Return on Investment) measures profit relative to investment cost. Formula: ROI = (Net Profit / Initial Investment) × 100. Example: Invested ₹1L, received ₹1.8L → ROI = (80,000/1,00,000) × 100 = 80%. ROI doesn't account for time — use CAGR for time-adjusted comparisons across different investment durations.
What is the difference between ROI and CAGR? +
ROI is total % return regardless of time. CAGR is the per-year compounded rate. 80% ROI in 3 years → CAGR = (1.8)^(1/3) − 1 = 21.6%/yr. The same 80% ROI in 10 years → CAGR = 6.1%/yr. CAGR normalizes time and enables fair comparison. This calculator gives you both.
What is a good ROI for investments in India? +
Annualized benchmarks: Savings account 3-4%, FD 6-7.5%, PPF 7.1%, Gold 10-12% CAGR, Nifty 50 13-14% CAGR, Large-cap MF 12-15%. An investment is "good" if its annualized ROI beats inflation (6%) and ideally the Nifty 50. Anything above 15% CAGR consistently is excellent.
How to calculate annualized ROI? +
Annualized ROI = (Final Value / Initial Investment)^(1/n) − 1. Same as CAGR. Example: ₹1L → ₹1.8L in 3 years. Annualized = (1.8)^(1/3) − 1 = 21.6%/yr. This lets you compare any investment duration on equal footing.
What is the ROI formula including dividends and costs? +
Total ROI = (Final Value + Dividends − Costs − Initial Investment) / Initial Investment × 100. Net Profit includes all cash flows: capital gain, dividends, rental income, less brokerage, taxes, maintenance. Always include all income and costs for a true ROI picture.
How do I compare my ROI against Nifty 50? +
Convert your ROI to annualized (CAGR). Then compare against Nifty 50 historical CAGR of 13-14% over 10-20 years. If your annualized ROI is higher, your investment outperformed the index. If lower, a Nifty 50 index fund would have been better. This calculator shows your return alongside FD, Gold, and Nifty 50 benchmarks.