ROI Calculator
The ROI Calculator is a comprehensive online tool designed to help you evaluate how much profit (or loss) your investment has generated over a chosen period. Whether you’re investing in equity (stocks), debt instruments, or real estate, this calculator simplifies the process of understanding your investment’s performance by considering growth, expenses, taxes, and inflation.
ROI Calculator for Indian Investors
Investment Details
Tax & Inflation
Benchmark
ROI Summary
ROI Breakdown
| Initial Investment | ₹100,000 |
| Final Value | ₹150,000 |
| Total Gain/Loss | ₹50,000 |
| Investment Duration | 3 years 0 months |
| Tax on Gains | ₹6,250 |
| After-Tax Net Profit | ₹43,750 |
Performance Visualization
Inflation Impact
| Nominal Final Value | ₹150,000 |
| Inflation-Adjusted Value | ₹127,521 |
| Purchasing Power | 85.0% |
| Purchasing power represents the percentage of original value retained after inflation | |
Historical Inflation Rates in India
Growth Projection
Benchmark Comparison
Performance Analysis
| Metric | Your Investment | Benchmark | Difference |
|---|---|---|---|
| Annualized Return | 14.47% | 12.00% | +2.47% |
| Total Return | 50.00% | 40.50% | +9.50% |
| Final Value | ₹150,000 | ₹140,500 | +₹9,500 |
NIFTY 50 Benchmark Information
Represents top 50 companies on National Stock Exchange of India
Detailed Report
Investment Summary
| Investment Type | Equity (Stocks) |
| Investment Period | Jan 1, 2022 - Jan 1, 2025 (3 years) |
| Initial Investment | ₹100,000 |
| Final Value | ₹150,000 |
| Additional Costs | ₹0 |
Return Metrics
Tax Impact
| Total Gain | ₹50,000 |
| Applicable Tax | LTCG @ 12.5% |
| Tax Exemption | ₹1,25,000 |
| Taxable Amount | ₹0 |
| Tax Amount | ₹0 |
| After-Tax Return | ₹50,000 |
Inflation Impact
| Applied Inflation Rate | 5.5% |
| Cumulative Inflation | 17.5% |
| Nominal Value | ₹150,000 |
| Inflation-Adjusted Value | ₹127,521 |
| Lost Value to Inflation | ₹22,479 |
Benchmark Comparison
| Benchmark Used | NIFTY 50 |
| Benchmark Return Rate | 12.0% annualized |
| Your Investment Performance | Outperformed by 2.47% |
| Value Difference | +₹9,500 |
This report is generated for informational purposes only and does not constitute investment advice.
Report generated on May 30, 2025
Popular Benchmarks in India
NIFTY 50
Represents top 50 companies on NSE
BSE SENSEX
Top 30 companies on BSE
PPF Rate
Public Provident Fund
10-Year G-Sec
Government Securities
Bank FD Rate
Fixed Deposits (5yr)
Inflation Rate
Consumer Price Index
Tax Considerations in India
| Equity Investments: | |
|---|---|
| Short-Term Capital Gains (STCG): | Held for less than 12 months, taxed at 15% |
| Long-Term Capital Gains (LTCG): | Held for more than 12 months, taxed at 12.5% beyond 1.25 lakh exemption per financial year |
| Debt Investments: | |
| Purchased before April 1, 2023: | LTCG (>36 months) at 20% with indexation benefit |
| Purchased after April 1, 2023: | Taxed as per income tax slab rates regardless of holding period |
| Real Estate: | |
| STCG (≤24 months): | Taxed as per income tax slab |
| LTCG (>24 months): | Taxed at 20% with indexation benefits |
| Various exemptions available under Section 54, 54F, 54EC | |
| Tax-Exempt Investments: | |
| PPF: | Completely tax-free under EEE (Exempt-Exempt-Exempt) status |
| ELSS: | Tax deduction up to 1.5 lakh under Section 80C with LTCG tax applicable |
| Sukanya Samriddhi Yojana: | EEE tax status |
Understanding ROI Metrics
Simple ROI
Basic calculation showing the total return percentage over the entire investment period.
Annualized ROI (CAGR)
The compound annual growth rate standardizes returns to yearly periods, useful for comparing investments with different time horizons.
Real ROI
Adjusts nominal returns for inflation to reflect actual purchasing power gained.
After-Tax ROI
Accounts for taxes paid on investment gains to show actual returns. Considers different tax treatments based on investment type and holding period.
Tips for Indian Investors
- Consider tax implications when choosing investment products
- Hold equity investments for >12 months to benefit from lower LTCG tax rates
- Use indexation benefits for debt funds purchased before April 2023
- For real estate, consider Section 54/54F exemptions to minimize LTCG tax
- Factor in inflation (historically 5-6% in India) when evaluating returns
- Compare returns against appropriate benchmarks (e.g., Nifty 50 for equity)
- Always evaluate investments using inflation-adjusted real returns
Why Use an ROI Calculator?
Investing is not just about how much you made it’s about how well you did compared to other options, and how much you really keep after taxes and inflation. This ROI Calculator gives you a clear, realistic picture of your investment performance, helping you make smarter decisions for your financial goals.
Popular Benchmarks in India
The Popular Benchmarks in India panel provides reference rates for other common investments, such as the BSE SENSEX (12.5% 10-year average return), PPF (7.1%), 10-year Government Securities (7.0%), 5-year Bank FDs (6.5%), and the current inflation rate (5.5%), equipping users with context to make better-informed decisions.
Tax Considerations in India
the Tax Considerations in India section explains relevant tax rules. For equity investments, it distinguishes between Short-Term Capital Gains (STCG, taxed at 15% if held less than 12 months) and Long-Term Capital Gains (LTCG, taxed at 12.5% with ₹1.25 lakh exemption annually). It also outlines how debt investments and real estate gains are taxed, helping users anticipate their post-tax returns.
How do I use the ROI Calculator?
- Select your investment type (e.g., equity, debt, real estate).
- Enter your initial investment amount.
- Enter the current or expected value.
- Specify investment and valuation dates to calculate the duration.
- Add additional expenses (if any).
- Choose your income tax bracket and inflation rate (optional).
- Click Calculate ROI to see your results.