Every investment deserves a clear report card. Our investment return calculator evaluates your return on investment (ROI), absolute profit, and annualized CAGR — giving you the numbers to compare stocks, fixed deposits, mutual funds, and real estate on a level playing field.
What is an Investment Return Calculator?
An investment return calculator measures the performance of an investment by comparing the initial cost to the final value. It computes both the simple ROI (total percentage gain or loss) and CAGR (Compound Annual Growth Rate) for multi-year investments. CAGR is the most accurate way to evaluate long-term investment performance because it accounts for the time value of money.
Formula
ROI (%) = ((Final Value − Initial Investment) / Initial Investment) × 100
CAGR = ((Final Value / Initial Investment)^(1/Years)) − 1
Example Calculation
You invested ₹2,00,000 in a mutual fund 5 years ago. Today it is worth ₹3,50,000.
- ROI = ((₹3,50,000 − ₹2,00,000) / ₹2,00,000) × 100 = 75%
- CAGR = (3,50,000 / 2,00,000)^(1/5) − 1 = 1.75^0.2 − 1 = 11.84% per annum
How to Use This Calculator
- Enter your Initial Investment amount.
- Enter the Final Value of the investment today.
- Enter the Investment Duration in years.
- Click Calculate to see your ROI, absolute profit/loss, and CAGR.
Real Life Use Cases
- Mutual Fund Review: Compare your fund's CAGR against the benchmark index (Nifty 50 CAGR is ~12-15% over 10-year periods).
- Real Estate: Calculate your actual return on a property investment accounting for appreciation and rental yield.
- FD Comparison: Compare a bank FD at 7% against an equity fund with a 15% CAGR over 10 years.
- Portfolio Review: Identify which investments are helping and which are dragging your overall portfolio performance.
FAQs
What is a good ROI in India?
It depends on asset class. FDs return 6-8%, REITs around 8-10%, equity mutual funds 12-15% CAGR long-term, and gold about 10% CAGR over decades. Equity has the highest long-term return but with volatility.
What is CAGR and why is it better than simple ROI?
CAGR (Compound Annual Growth Rate) is the annualized return that, if compounded annually, gives you the same final value. It allows fair comparison of investments held for different durations.
Does this calculator account for taxes?
No. Returns from equity (held above 1 year) attract 10% LTCG tax above ₹1L gain. Debt fund and FD returns are taxed at your income slab. Factor this in to find true post-tax returns.
Common Use Cases for Investment Return Calculator
- Use this Investment Return Calculator for quick, accurate online calculations — no app needed
- Ideal for students, professionals, and anyone planning finances or health goals
- Get instant results right in your browser — 100% private, no data stored
- Bookmark this page to use the Investment Return Calculator anytime, on any device