Value or price at the start.
Value or price at the end (or today).
Years between the two values (decimals allowed).
Quick examples
From ₹1,00,000.00 to ₹1,50,000.00 over 3 years.
What each result means
Gain / loss
What it is: Ending minus starting value (× units if given).
Your value: ₹50,000
In rupees.
Absolute return
What it is: (End − start) ÷ start.
Your value: 50.00%
Ignores how long it took.
Annualised return (CAGR)
What it is: The steady yearly rate that links start and end.
Your value: 14.47%
Lets you compare different holding periods.
Year-by-year breakdown
| Year | Opening (₹) | Growth at CAGR (₹) | Total gain (₹) | Value on CAGR path (₹) |
|---|---|---|---|---|
| 1 | ₹1,00,000 | ₹14,471 | ₹14,471 | ₹1,14,471 |
| 2 | ₹1,14,471 | ₹16,566 | ₹31,037 | ₹1,31,037 |
| 3 | ₹1,31,037 | ₹18,963 | ₹50,000 | ₹1,50,000 |
How to read this: the rows show the smooth path the value would follow at exactly the CAGR every year. Real year-to-year values differ.
What this calculator does
Return on investment (ROI) compares what you got back with what you put in. This calculator shows both the simple ROI and the annualised ROI (CAGR) so different periods can be compared.
What your result means
This describes what already happened (or a hypothetical), not what will happen next. Past returns do not guarantee future results.
Formula
1. Absolute return
Symbols
- Start / End
- Starting and ending value
2. CAGR
Symbols
- t
- Years held
Worked example
₹100 → ₹200 in 6 years: 2^(1/6) − 1 ≈ 12.25%.
Common mistakes
Dividing absolute return by years. Using CAGR when money was added or withdrawn midway — use XIRR.
Working for your numbers
- Absolute = (₹1,50,000.00 − ₹1,00,000.00) ÷ ₹1,00,000.00 = 50.00%
- CAGR = (1.500000)^(1/3) − 1 = 14.4714%
Frequently asked questions
Why show annualised ROI?
A 50% ROI over 2 years and over 10 years are very different; annualising puts them on the same yearly basis.
Does a past return predict the future?
No. Past performance does not guarantee future results.
When should I talk to a professional instead?
Before a real decision, especially a large or long-term one, speak to a SEBI-registered investment adviser or a qualified professional. This page is educational only.
Symbols and assumptions
- Start
- Amount invested
- End
- Final value
- t
- Years held
- No money added or withdrawn in between.
- Dividends or costs are not included unless built into the values.
- Does not account for taxes, fees, expense ratios or exit loads.
Sources and review
Reviewed 2026-09-29 · Next review 2027-09-29
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How it works
A universal metric to evaluate the efficiency of an investment.
The formula
ROI = ((Net Profit) / Initial Investment) × 100- Net Profit
- Final Value - Initial Cost - Expenses
Worked example
Investing ₹1 Lakh and getting ₹1.2 Lakh back.
Pro tips
- Use ROI to compare different types of investments.
- ROI doesn't account for time; use CAGR for time-based growth.
Common mistakes
- Forgetting to subtract costs like maintenance or taxes.
Go deeper
Related lessons
Concepts to explore
Related guides
Institutional grade calculations are illustrative and for educational wealth architecture. Results do not constitute investment advice.