Calculate ROI, CAGR & inflation-adjusted returns for Stocks, Real Estate, Gold, FD & Business. Benchmark your investment against S&P 500, Sensex & gold — instantly, free, no signup.
Aapka investment in assets se compare karein (same time period)
| Year | Value | Gain (Year) | Cumulative Gain | ROI (Cumul.) | Real Value |
|---|
Agar return rate alag hoti — tab kya hota? (same investment, same time)
| Annual Return Rate | Final Value | Net Profit | Total ROI | Annualized ROI | vs Your Return |
|---|
ROI (Return on Investment) is the single most important metric for evaluating any investment. It tells you what percentage profit or loss you made relative to what you invested. Our free ROI calculator goes further — it also computes your annualized CAGR, shows your inflation-adjusted real return, and benchmarks your performance against global indices like the S&P 500, Sensex, gold, and FD rates.
This is why a 7% FD during 6% inflation only delivers 0.94% real return. The inflation toggle in the calculator shows you what your investment is truly worth in today's purchasing power.
Understanding benchmark returns by asset class helps you evaluate whether your investment is outperforming or underperforming. Here's a comprehensive comparison across all five asset types supported by the calculator:
| Asset Class | Historical CAGR | Risk Level | Typical Holding Period | Key Costs to Include |
|---|---|---|---|---|
| 📈 Stocks / ETF | 10–15% / yr | High | 3–10+ years | Brokerage, STT, capital gains tax |
| 🏠 Real Estate | 8–12% / yr | Medium | 5–15 years | Stamp duty, registration, maintenance, property tax |
| 🥇 Gold / Crypto | 8–10% / yr (gold) | Very High (crypto) | 3–10 years | Making charges, GST, storage, exchange fees |
| 🏦 FD / Bonds | 6–8% / yr | Low | 1–5 years | TDS (tax deducted at source), premature withdrawal penalty |
| 💼 Business | 15–30%+ / yr | Very High | 3–10 years | Operating costs, salaries, taxes, reinvestment capital |
The calculator's Benchmark Comparison section automatically compares your investment's CAGR against 5 reference points. Here's what each benchmark represents:
If your investment beats the S&P 500 CAGR of 10.5%, you are outperforming the most tracked benchmark in the world.
Best for most investors. Enter:
The calculator computes total ROI%, annualized CAGR, net profit, and real ROI (with inflation toggle).
Best for stock traders and ETF investors. Enter:
The calculator auto-computes total investment, total return, and includes dividend yield in your final ROI.
The What-If Scenarios table models your investment across 10 different annual return rates simultaneously — from −5% (capital loss) to +30% (exceptional growth). This lets you stress-test your expected return and understand both the downside risk and upside potential before committing capital.
| Annual CAGR | ₹5L invested for 5 years | Profit/Loss | Total ROI% |
|---|---|---|---|
| −5% / yr | ₹3,87,420 | −₹1,12,580 | −22.5% |
| 0% / yr | ₹5,00,000 | ₹0 | 0% |
| 7% / yr (FD) | ₹7,01,276 | +₹2,01,276 | +40.3% |
| 10.5% / yr (S&P 500) | ₹8,22,767 | +₹3,22,767 | +64.6% |
| 15% / yr | ₹10,05,678 | +₹5,05,678 | +101.1% |
| 20% / yr | ₹12,44,160 | +₹7,44,160 | +148.8% |
| 30% / yr | ₹18,59,313 | +₹13,59,313 | +271.9% |
Use the What-If table in the calculator to model your specific investment amount and holding period across all return scenarios simultaneously.
Detailed answers to the most searched investment ROI questions — each answer is structured to directly target Google featured snippets and FAQ rich results.
ROI formula: ROI% = [(Final Value − Initial Cost) ÷ Initial Cost] × 100. Example: You invest ₹5,00,000 and it grows to ₹8,50,000 over 3 years → ROI = [(8,50,000 − 5,00,000) ÷ 5,00,000] × 100 = 70%. For annualized return (CAGR): CAGR = [(8,50,000/5,00,000)^(1/3) − 1] × 100 = 19.4%/year. Always subtract additional costs like brokerage, taxes, and fees before calculating net ROI.
Simple ROI is the total percentage return over the entire investment period — it doesn't account for time. CAGR (Compound Annual Growth Rate) is the annualized return that shows the consistent yearly growth rate producing the same final result. Example: 70% ROI over 3 years sounds impressive, but the CAGR is only 19.4% per year. CAGR is the correct metric for comparing investments held for different time periods. Formula: CAGR = [(Final/Initial)^(1/Years) − 1] × 100.
Benchmark CAGR by asset class: S&P 500 averages ~10.5%/yr historically. Sensex averages ~12%/yr. Gold averages ~8%/yr. Fixed Deposits (India) give 6–8%/yr. Savings accounts give 3–4%/yr. A CAGR above 15%/year is considered excellent for equity. Any return below inflation (currently ~5–6%) is a real loss in purchasing power even if the nominal return is positive. Always compare using CAGR, and always check the real (inflation-adjusted) ROI.
Inflation-adjusted ROI (real ROI) subtracts inflation to show your actual gain in purchasing power. Formula: Real ROI = [(1 + Nominal ROI) ÷ (1 + Inflation Rate)] − 1. If your FD returns 7%/year but inflation is 6%/year, your real ROI = (1.07/1.06) − 1 = only 0.94%/year real gain. This is why parking money in low-yield FDs during high inflation periods can actually erode your wealth. Enable the Inflation Adjustment toggle in the calculator to see your real ROI instantly.
Real Estate ROI must include ALL costs to be accurate: ROI = [(Sale Price − Purchase Price − Total Costs) ÷ (Purchase Price + Total Costs)] × 100. Total costs include: stamp duty (5–7%), registration fees (1%), brokerage (1–2%), renovation, maintenance, property tax, and loan interest (if applicable). Example: Buy ₹60L, sell ₹95L after 5 years, total costs ₹5L → ROI = [(95−60−5)÷(60+5)]×100 = 46.2% total, or CAGR of 7.9%/year. Select the Real Estate tab in the calculator and enter all costs in the "Additional Costs" field.
Dividends are a cash return paid by companies periodically to shareholders. They should be added to your total return when calculating ROI: Total Return = Capital Gain + Total Dividends Received. Example: You invest ₹1,00,000 in a stock. It grows to ₹1,40,000 (40% gain) and also paid ₹8,000 in dividends over 5 years → Total ROI = [(40,000 + 8,000) ÷ 1,00,000] × 100 = 48% total ROI instead of just 40%. Enable the Include Dividend Income toggle in Advanced mode to include dividend returns in your ROI calculation.
For physical gold in India: Gold ROI = [(Sell Price − Buy Price − Making Charges − GST) ÷ (Buy Price + Making Charges + GST)] × 100. Making charges (8–25% for jewellery) and 3% GST significantly reduce your effective return. For gold ETFs or Sovereign Gold Bonds (SGBs), costs are minimal — only expense ratio (0.5%) applies. SGBs also pay 2.5% annual interest, boosting total return. The Gold/Crypto tab in the calculator lets you model all these variables for your specific purchase.
Yes, 100% free — no signup, no subscription, and no hidden fees. All ROI calculations run entirely in your browser — no financial data is sent to any server, ensuring complete privacy. The calculator supports INR (₹), USD ($), GBP (£), and EUR (€), and works on all devices: mobile, tablet, and desktop. All features including CAGR, inflation adjustment, benchmarks, What-If scenarios, and year-by-year breakdown are completely free.
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