🎯 ROI Calculator

Calculate Return on Investment percentage for any investment.

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What is an ROI Calculator?

Before putting money into a mutual fund, a friend's business, or a fixed deposit, most people want a single number that answers "was this worth it?" That number is Return on Investment, or ROI. This calculator compares what you put in against what you got back and expresses the gain — or loss — as a clean percentage, making it easy to compare very different investments, say an equity portfolio versus a small business, on the same scale.

ROI Formula

ROI (%) = [(Total Returns − Amount Invested) ÷ Amount Invested] × 100

A positive ROI means your investment grew; a negative one means you got back less than you put in. The formula doesn't account for how long the money was invested, so a 35% ROI over one year is very different from the same 35% spread across five years — always keep the holding period in mind when comparing results.

Worked Example

Suppose you invested ₹1,00,000 in an equity mutual fund and, after some years, redeemed your units for a total of ₹1,35,000.

ROI = [(1,35,000 − 1,00,000) ÷ 1,00,000] × 100 = 35%

Your investment delivered a 35% overall return. If this happened over three years, that works out to roughly 10.5% annualised — a healthy showing for equity, though you'd still want to compare it against the category average and check whether long-term capital gains tax applies before deciding if it comfortably beat inflation.

How to Use This Calculator

  1. Enter the Amount Invested — your original capital or purchase cost.
  2. Enter the Total Returns — everything received back, including dividends or interim payouts.
  3. Click Calculate to see your ROI percentage instantly.
💡 Tip: ROI alone doesn't reveal how long your money was locked in. Note the holding period separately, or divide the ROI by the number of years for a rough annualised figure before comparing it against SIP or FD returns.

Once you know your ROI, the SIP Calculator can help you plan how much to invest monthly to build a similar corpus going forward.

📅 Last reviewed: July 2026 · Formulas verified against RBI/SEBI/IT Dept guidelines.