ROI Calculator
Your total gain, the annualised rate that rates it fairly — and whether it beat FD, gold and the Nifty.
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Holding period = (end − start) ÷ 365.25 = 5y (1827 days). ROI ignores any money added or withdrawn in between.
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+60.0%
₹1.00 L became ₹1.60 L in 5y — 1.60× what you put in
Money doubled every 7.4 years at this rate.
01 May 2019 → 01 May 2024: assumes one amount in and one value out, no interim cashflows. Figures are before tax and inflation — past returns are not guaranteed to repeat.
Your ₹1.00 L grown over 5y vs illustrative benchmarks.
| Option | Value | Return |
|---|---|---|
| Your Investment | ₹1.60 L | +60.0% |
| Fixed Deposit | ₹1.37 L | +37.0% |
| Inflation | ₹1.34 L | +33.8% |
| Gold | ₹1.47 L | +47.0% |
| Nifty 50 | ₹1.76 L | +76.3% |
FD 6.5% / Inflation 6% / Gold 8% / Nifty 50 12% are illustrative reference rates, not guarantees.
Opportunity cost
Where your ₹1.00 L would have ended up in each option over 5y.
Your Investment
9.9%/yr
FD 6.5%
guaranteed
Gold 8%
long-term avg
Nifty 50 12%
long-term avg
A 12% Nifty benchmark would have ended ₹16,275 higher over this period.
ROI quality meter
Rated on your total ROI of +60.0%.
Good on the 0–100% total-ROI scale. Above 100% is Excellent. Rate longer holds on the annualised figure too.
Money doubling
At your annualised return, how long ₹1 takes to become ₹2.
7.4years
to double at 9.9% a year
Rule of 72 estimate
72 ÷ 9.9 ≈ 7.3 yrs
Time matters
The same +60.0% total ROI is a very different annual rate depending on how long it took.
Total ROI alone flatters a longer hold — always compare on the annualised rate.
Assumes a steady 6% a year benchmark inflation compounded over your 5y holding period.
Nominal annualised
9.9%
Real annualised
+3.6%
Real total gain
+19.5%
In today's money, ₹1.60 L is worth about ₹1.20 L.
- Total ROI: +60.0% over 5y
- Annualised return: 9.9% (Good)
- Growth multiple: 1.60×
What this means
Turning ₹1,00,000 into ₹1,60,000 over 5y is a +60.0% total return — or 9.9% a year, a good result that beats a fixed deposit and doubles your money every 7.4 years.
Key takeaways
- Total ROI: +60.0% over 5y
- Annualised return: 9.9% (Good)
- Growth multiple: 1.60×
- Money doubles every: 7.4 yrs
- Real return after 6% inflation: 3.6% p.a.
Investment summary
For a single amount in and out, XIRR equals the annualised return shown here.
Where it ended up
How much of the final value is your own capital vs profit.
Profit (+60.0%)
+₹60,000
Original Capital (100%)
₹1.00 L
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Your result: ₹1.00 L → ₹1.60 L in 5y — about 9.9% a year.
Plan the rest of your money life
Rated this return? Annualise it properly, check uneven cashflows, or put the next rupee to work.
Total ROI = (final − invested) ÷ invested. The annualised return (CAGR) = (final ÷ invested)1/years − 1, where years = (end date − start date) ÷ 365.25 — this spreads the gain evenly across the period so investments of different lengths compare fairly. ROI here ignores interim cashflows; for irregular contributions or partial withdrawals use the XIRR calculator.
How ROI is calculated
ROI = (final − invested) ÷ invested · annualised = (final ÷ invested)^(1 ÷ years) − 1
- final
- value at the end
- invested
- amount you put in at the start
- years
- holding period = (end − start) ÷ 365.25
- annualised
- the smooth per-year rate (CAGR)
Worked example
With your inputs — ₹1.00 L growing to ₹1.60 L over 5y: the gain is +₹60,000, so ROI = ₹60,000 ÷ ₹1.00 L = +60.0% total. Spread over 5.00 years that compounds to an annualised 9.9% a year (a 1.60× multiple). This assumes a single amount in and out with no interim cashflows, and is before tax and inflation.
Most asked ROI questions
Return on investment (ROI) is your total gain or loss expressed as a percentage of what you put in: (final value − amount invested) ÷ amount invested. It tells you how much your money grew overall, regardless of how long it took.
Total ROI is the full return across the whole holding period and ignores time entirely. CAGR (the annualised return) restates that same gain as a smooth per-year rate. A 80% ROI over 5 years is roughly a 12.5% annualised return — use the annualised figure when comparing investments held for different lengths, because total ROI alone makes longer holds look better than they are.
It depends on the asset and the risk. As a rough guide for the annualised return: under 5% a year is poor, 5–10% is average (around fixed-deposit territory), 10–15% is good, 15–20% is very good, and above 20% is excellent — though very high returns usually come with higher risk or a short, lucky window. This page rates yours and compares it to typical FD, inflation, gold and Nifty reference rates.
Divide 72 by your annualised return to estimate how many years it takes to double your money. At a 12% annual return that's about 6 years. We show the precise figure too, derived from ln(2) ÷ ln(1 + annual return).
Simple total ROI answers "how much did I make in total". The annualised return (CAGR) answers "how fast did it grow per year". For comparing a 3-year bet against a 10-year one, always use the annualised figure — total ROI alone makes longer holds look better than they really are.
No. This ROI assumes a single amount in and a single value out, with nothing added or withdrawn in between. If you made multiple contributions or partial withdrawals, both ROI and the annualised return mislead — use the XIRR calculator, which accounts for the timing of every cashflow.
No. The FD, inflation, gold and Nifty figures here are typical long-term or current published rates shown for context only — actual returns vary year to year and are not guaranteed. Treat every comparison as a rough reference, not advice.
The complete guide to return on investment
What ROI really tells you
Return on investment is the simplest way to score an investment: take what it's worth now, subtract what you put in, and divide by what you put in. The result is a single percentage that says how much your money grew or shrank overall. It works for anything with a clear amount in and a value out — a stock, a property, a fund, even a side project.
ROI vs the annualised return
Total ROI has one blind spot: time. A 60% return is good over five years and mediocre over fifteen. That's why this tool reads your two dates and also shows the annualised return — the steady per-year rate (CAGR) that produces the same final value — so you can compare investments held for different lengths. Always rate and compare on the annualised figure.
Was it worth it?
Context is everything. The benchmark table grows the same capital over the same period at typical FD, inflation, gold and Nifty reference rates, so you can see whether your investment beat the safe option, kept ahead of inflation, and matched broad equity. Those rates are illustrative long-term or current published figures, not guarantees.
The Rule of 72 and doubling
Divide 72 by your annualised return to estimate the years to double your money: 72 ÷ 12 ≈ 6 years. It's a close approximation of the exact figure, ln(2) ÷ ln(1 + annual return), and a fast way to feel the power of a higher rate over a long horizon.
When ROI misleads — use XIRR
Both ROI and the annualised return assume one amount in at the start and one value at the end. If you added or withdrew money along the way — a SIP, top-ups, partial sales — they both mislead, and XIRR is the right tool because it weighs the timing of every cashflow. And remember a high return over a short period can be luck; judge it alongside the holding period and the risk taken.