Return on investment (ROI) calculator
Enter what you invested, what it's worth now and how long you've held it. See the total and yearly return.
- Total and yearly return
- Dividends and rent included
- Free, no sign-up
Tax on your gains
When you sell, the gain may be taxed as capital gains. The rate depends on what it is and how long you held it.
Questions people often ask
How are shares taxed when sold?
Listed shares held over a year: 12.5% on gains above ₹1.25 lakh a year. Under a year: 20%.
Is dividend income taxed?
Yes, at your slab rate. Your return should include it.
Two ways to see return
Total, and per year.
- Total return: gain ÷ amount invested.
- Yearly return: spreads it over the years held.
- Income counts: dividends, interest or rent.
Last reviewed 9 October 2026. The rules in this calculator come from these official sources.
- Investor education: how investments grow, and their risks Securities and Exchange Board of India
- Salaried individuals: income and deductions Income Tax Department
Common questions
How is ROI calculated?
ROI = (value now + income received − amount invested) ÷ amount invested.
What is the yearly return?
The rate that, compounded each year, turns what you invested into what you have: (1 + total return)^(1 ÷ years) − 1. It's the same as CAGR.
What's the ROI on ₹1 lakh that grew to ₹1.8 lakh in 5 years?
80% in total, or about 12.5% a year.
Why does the holding period matter?
80% over 2 years is excellent; 80% over 20 years is about 3% a year.
What about SIPs?
With many deposits on different dates, use XIRR. This calculator is for one investment.
