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ROI Calculator

Calculate Return on Investment (ROI) and annualized returns for any investment.

💼Investment Details

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📊Returns

Frequently Asked Questions

What is ROI? +
ROI (Return on Investment) measures profitability of an investment. Formula: ROI % = ((Final Value - Initial Investment) / Initial Investment) × 100. A 50% ROI means you earned 50% over your initial amount.
Difference between Total ROI and Annualized ROI? +
Total ROI is the entire return over the holding period. Annualized ROI converts it to per-year basis using compound formula. ₹1L → ₹2L over 5 years = 100% Total ROI but only 14.87% annualized. Annualized helps compare investments of different durations.
What's a good ROI in India? +
Asset-wise: FD/PPF 6-8% per year, Mutual Funds 10-15%, Stocks 12-18% (long-term avg), Real Estate 8-12%, Gold 8-10%. Anything beating inflation (~6%) is good. ROI above 20% annualized is excellent but riskier.
Should I include taxes in ROI? +
For accurate post-tax ROI, deduct LTCG/STCG tax. Stocks: 12.5% LTCG above ₹1.25L. Mutual Funds: similar rates. Real Estate: 12.5% with indexation removed. Use NET amount (after tax) as Final Value for true ROI.
How is ROI different from CAGR? +
ROI is total return %, CAGR (Compound Annual Growth Rate) is annualized ROI. They're related: CAGR = ((Final/Initial)^(1/years)) - 1. CAGR is preferred for comparing long-term investments because it accounts for time.
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Important Business & Financial Disclaimer

This calculator is provided for informational and educational purposes ONLY. KaamKaTool.in is not a Chartered Accountant firm, financial advisor, tax consultant, business consultant, or SEBI-registered entity. The results generated should NOT be construed as professional financial, business, tax, accounting, or investment advice.

  • 📊 Estimates Only: All calculations are simplified estimates based on the inputs you provide. Real-world business outcomes depend on numerous factors not captured here including market conditions, competition, demand fluctuations, regulatory changes, GST rates, and unforeseen expenses.
  • 💼 Not Professional Advice: This tool does NOT replace consultation with a qualified Chartered Accountant (CA), Company Secretary (CS), tax consultant, SEBI-registered financial advisor, or business advisor. Always seek professional guidance before making business decisions involving significant money.
  • 🧾 Tax & GST Compliance: Indian tax laws (Income Tax Act, GST Act, Companies Act) are complex and subject to amendments. Rates, thresholds, exemptions, and rules change frequently via budget announcements, GST Council decisions, and notifications. Always verify current rates on official sources: incometax.gov.in, gst.gov.in, mca.gov.in.
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  • 🔒 Privacy & Data: All calculations happen entirely in your browser using JavaScript. We do NOT store, transmit, or have access to your business data, revenue figures, expenses, or any inputs. Your information stays on your device.
  • 🚨 Investment Risks: Past performance does NOT guarantee future returns. Investment decisions involve market risk. ROI/CAGR calculations are mathematical projections, not guarantees. Investment in stocks, mutual funds, or any market-linked instruments is subject to market risks. Read all scheme-related documents carefully.
  • ⚖️ Jurisdiction: Any disputes related to the use of this tool are subject to the exclusive jurisdiction of courts in Chennai, Tamil Nadu, India, in accordance with the Indian Contract Act, 1872, Information Technology Act, 2000, and Consumer Protection Act, 2019.
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By using this calculator, you acknowledge and agree that you have read, understood, and accept these limitations. You will independently verify all calculations with a qualified professional before making any business, financial, tax, or investment decision. KaamKaTool.in shall not be held responsible for any business outcome, financial loss, tax notice, penalty, or legal consequence arising from your use of these calculations.