Ratio calculator
ROI Calculator
Measure the return on an investment — both the total ROI and the smoothed per-year rate (CAGR). Enter what you put in, what it is worth now, and how long you held it.
- Amount invested
- ₹1,00,000
- Net gain
- ₹50,000
- Annualised (CAGR)
- 8.4%
- Final value
- ₹1,50,000
For illustration only. Enter the final value net of charges and include any payouts for a true total return; the tool ignores tax. Past returns do not predict the future. This is not investment advice.
How this ROI calculator works
ROI expresses your gain or loss as a percentage of what you invested, and CAGR turns that into a per-year rate:
ROI = (final − invested) ÷ invested × 100 · CAGR = (final ÷ invested)1/years − 1
ROI answers “how much did it grow in total?” and CAGR answers “what steady yearly rate does that represent?” — the second is what lets you compare investments held for different lengths of time.
A worked example
Invest ₹1,00,000, and five years later it is worth ₹1,50,000. That is a 50% ROI — but only about an 8.4% CAGR, because the growth was spread over five years. The same 50% in two years would be a much stronger ~22.5% a year.
Reading the result
Judge an investment by its CAGR against a fair benchmark — a fixed deposit, an index fund, or inflation — over the same period, not by the headline ROI. A big total return over a long horizon can still be a mediocre yearly rate. MoneyGrad reads every holding as one climb so you can see which parts of your portfolio are actually pulling their weight.
Frequently asked questions
- What is ROI?
- ROI (Return on Investment) measures how much an investment gained or lost relative to what you put in, as a percentage. ROI = (final value − amount invested) ÷ amount invested × 100. A ₹1,00,000 investment now worth ₹1,50,000 has a 50% ROI.
- What is the difference between ROI and CAGR?
- ROI is the total return over the whole holding period, ignoring time. CAGR (Compound Annual Growth Rate) is the smoothed per-year return that would take you from the invested amount to the final value over that period. A 50% ROI over 5 years is only about 8.4% a year — this calculator shows both.
- Why does the holding period matter?
- Because the same total return means very different things over different periods. Doubling your money in 3 years is excellent; doubling it in 30 years barely beats inflation. CAGR puts returns on a per-year footing so you can compare investments held for different lengths of time fairly.
- Does this ROI include dividends or costs?
- Only if you include them yourself. Enter the final value net of charges and add any dividends or payouts you received to make it a true total return. This tool also ignores tax, which will reduce your real, in-hand return.
- Are these ROI figures advice?
- No. The calculator simply does the arithmetic on numbers you provide. Past returns do not predict future results, and this is an illustration for understanding, not investment advice.