About this tool
The ROI Calculator computes your total return on investment and annualized return (CAGR) from any investment. Enter initial amount, final value, and time period. Works for stocks, mutual funds, real estate, or any investment. The tool reports two separate figures: simple ROI (total percent gain) and CAGR (the equivalent annual compounding rate), so a 50% gain over 2 years and a 50% gain over 5 years no longer look identical on paper. Use it to compare an Indian equity mutual fund SIP terminal value against a 5-year bank FD, a 7-year sovereign gold bond, or a 10-year apartment held in Bengaluru. For decisions that involve tax (LTCG, STCG, indexation under Section 112A or 50AA in 2026), apply the relevant tax slab to the gain before comparing across asset classes.
How to use the ROI Calculator
The ROI Calculator is a browser-based tool that runs entirely on your device. Inputs you enter never reach a server - all calculations happen client-side in JavaScript. This means:
- Privacy: nothing is logged, sent, or stored by 3Tej. Inputs disappear when you close the tab.
- Speed: results update as you type. No network round trip.
- Offline use: once the page is cached, it works without internet.
- No signup: no account, no email, no rate limits.
Step by step
- Enter your inputs in the form above. Each field is labeled with its unit (currency, percent, kg, etc.) and the expected range.
- Read the result as it updates. The number reflects the formula commonly accepted in ROI-related calculations.
- Adjust to see sensitivity: change one input at a time and watch how the output moves. This is the fastest way to understand which variable matters most.
- Copy or screenshot the result for later reference. The page state persists for the session if your browser allows it.
When you would use this
- Quick estimates: when you need a number now and don't want to open a spreadsheet.
- Sensitivity analysis: testing how a result changes as inputs vary, before committing to a real-world decision.
- Comparison: running the same calculation with different inputs to compare options side by side.
- Learning: building intuition for how the underlying math behaves.
- Documentation: capturing a snapshot of inputs and outputs at a point in time.
Worked examples
Indian equity mutual fund: ₹5,00,000 invested in an Axis Bluechip lump sum in May 2021 grew to ₹8,75,000 by May 2026. Simple ROI = (8,75,000 - 5,00,000) / 5,00,000 = 75%. CAGR over 5 years = (8.75/5.00)^(1/5) - 1 = 11.86%. After 2026 Section 112A LTCG of 12.5% on the gain above ₹1.25 lakh, net gain = ₹3,75,000 - 12.5% × (3,75,000 - 1,25,000) = ₹3,43,750, giving a post-tax CAGR of 11.04%.
Bengaluru apartment: 2BHK purchased June 2018 for ₹85 lakh, registration and stamp duty ₹6.8 lakh (8%), sold May 2026 for ₹1.42 crore. Total cost basis = ₹91.8 lakh. Simple ROI = (1.42 cr - 91.8 L) / 91.8 L = 54.7%. CAGR over 7.92 years = 5.62%. After 2026 LTCG on property (12.5% without indexation OR 20% with cost inflation indexation, whichever is lower under FA 2024 amendment), an investor with a CII-indexed cost basis of about ₹1.21 cr would owe roughly 20% on ₹21 lakh, or 12.5% on ₹50.2 lakh, so the 20% indexed route wins here.
Common pitfalls
- Confusing simple ROI with CAGR: a 100% gain over 10 years is only 7.18% CAGR, often slower than the same money in a 7.1% SCSS deposit. Always compare CAGR, not absolute return, when holding periods differ.
- Ignoring transaction costs and taxes: brokerage, STT, GST, stamp duty (0.015% on equity delivery, 0.003% on intraday in 2026), and exit loads can eat 0.5 to 8% of the headline return. Subtract these from the final value before computing ROI.
- Forgetting cash inflows or SIP top-ups: simple ROI breaks down for multi-deposit strategies. If you added monthly contributions, use the XIRR calculator instead, which weights each cash flow by its date.
- Comparing nominal across long horizons without inflation: India CPI averaged 5.7% from 2018 to 2025 per RBI data, so a 7% nominal CAGR is a 1.3% real CAGR. Use real returns for retirement and goal planning.
ROI vs adjacent metrics
| Metric | What it answers | Best for |
|---|---|---|
| Simple ROI | Total percent gain on initial capital | Single deposit, single withdrawal |
| CAGR | Constant-annual-rate equivalent of total gain | Comparing across holding periods |
| XIRR | Internal rate of return with irregular cash flows | SIPs, partial withdrawals, real estate with cap ex |
| IRR | Rate at which NPV of cash flows equals zero | Project-level capital budgeting |
| Real return | CAGR minus inflation | Retirement, education, long-term goals |
Frequently asked questions
Is the ROI Calculator accurate?
The ROI Calculator applies the standard formula for roi. Accuracy is limited only by your input precision. For decisions with material consequences, use the result as a starting point and verify with a qualified professional or the relevant official source.
Is the ROI Calculator free?
Yes. 100% free, no signup, no payment, no API key. The site is funded by display ads that appear around the tool but not inside the calculation flow.
Are my inputs saved?
No. Inputs stay in your browser tab. Closing the tab discards them. The site uses Google Analytics for traffic measurement (anonymized) but does not see what you type into the form.
Can I use the ROI Calculator on my phone?
Yes. The tool is responsive and tested on iOS Safari, Android Chrome, and major desktop browsers. Touch targets meet Apple's 44pt and Google's 48dp minimum guidance.
How do I report a bug or suggest improvement to the ROI Calculator?
Email hi@3tej.com with the URL of this page and a description of what you saw vs expected. We typically respond within 72 hours and update calculators when rules or formulas change.
How accurate is the ROI Calculator?
It applies the standard formula. Accuracy is limited only by your input precision. For decisions with material consequences (taxes, medical, legal, structural), use the result as a starting point and verify with a qualified professional in the relevant field.
Is the ROI Calculator free to use?
Yes. 100% free, no signup, no payment, no API key. The site is funded by display ads around the tool but not inside the calculation flow.
Are my inputs saved anywhere?
No. All inputs stay in your browser tab. Closing the tab discards them. The site uses Google Analytics for traffic measurement (anonymized) but the analytics never see what you type into the form.
Does the ROI Calculator work offline?
Yes. Once the page has loaded, it works without internet. The calculation runs in JavaScript on your device.
Can I share results from the ROI Calculator?
Take a screenshot or copy the output. The page doesn't generate shareable URLs for specific calculations - inputs stay in your browser only.
Why are the results different from another roi tool?
Most likely: different formula assumptions, different default values, different rounding rules, or different applicable rates. Check the methodology if both tools document it. Both can be valid for different scenarios.
Should I use ROI or CAGR to compare two investments?
Use CAGR whenever holding periods differ. Simple ROI ignores time. A 50% total return over 2 years (CAGR 22.5%) is far better than the same 50% return over 8 years (CAGR 5.2%). Compare CAGR head-to-head and adjust for taxes and inflation.
How does the 2026 Indian LTCG change affect ROI?
Under Budget 2024 amendments effective for transfers from July 23, 2024 onward, long-term equity LTCG above ₹1.25 lakh is taxed at 12.5% (up from 10%) under Section 112A, and real estate LTCG offers two routes: 12.5% without indexation or 20% with cost inflation index, whichever yields lower tax. Apply the right tax after computing ROI to get the post-tax return.