Investment Return Calculator

Calculate ROI, CAGR, profit/loss from any investment

Initial investment amount

Final / current value

Additional contributions (total, optional)

Total extra money added after the initial investment

Investment period (years)

Enter decimal years if needed — e.g. 2.5 for 2 years 6 months

Total dividends / income received (optional)

Total ROI

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CAGR (annual return)

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Net profit / loss

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Total invested

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Final value

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Money multiplied

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Dividends received

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ROI vs CAGR

What is ROI?

Return on Investment (ROI) = (Net Profit / Total Invested) × 100. It tells you the total percentage gain or loss, regardless of time. A 50% ROI over 5 years is very different from a 50% ROI over 1 year.

What is CAGR?

Compound Annual Growth Rate (CAGR) smooths out returns over time and gives the equivalent annual rate at which your investment grew. It is more useful than ROI for comparing investments of different durations. CAGR = (Final / Initial)^(1/years) − 1.

What is a good return?

As a benchmark — US S&P 500 has averaged ~10% CAGR historically. Indian Nifty 50 has averaged ~12–13%. Fixed deposits give ~6–7%. Real estate varies widely by location. Inflation (3–6%) is the minimum return you need just to maintain purchasing power.