# ROI Calculator: Return on Investment and Annualised ROI > ROI calculator: enter what you put in, what you got back and how long you held it for your return on investment, money multiple and annualised ROI. Source: https://trykosh.com/tools/roi-calculator Free tool - Business and GST # ROI calculator: return on investment, simple and annualised Measure what an investment really returned: total ROI on everything you put in, and the annualised figure that lets you compare it with an FD, a fund or another project. Rules checked 25 October 2026Free - no sign-upRuns in your browser Return on investment 32% +INR 1,65,000 on INR 5,15,000 put in Annualised**9.7%** Money multiple**1.32x** Held for**3 years** Put in **INR 5,15,000**Gain **INR 1,65,000** Invested INR 5,00,000 \+ Extra costs INR 15,000 Total put in INR 5,15,000 Value at the end INR 6,80,000 \+ Income received INR 0 Total got back INR 6,80,000 Net gain INR 1,65,000 Annualised ROI assumes everything came back at the end. If income arrived along the way, XIRR gives a truer yearly figure. ## Upload your statement and Kosh does this for you. Upload your bank statements and Kosh separates business from personal spending and keeps your tax and GST dates in view. [Start free](/signup?via=tool-roi-calculator) ## How the ROI calculator works ROI compares the gain with what it cost to get it. Add the amount invested and the extra costs that came with it, such as brokerage, stamp duty, registration, repairs or fees. Then add what you got back: the sale price or current value, plus any income along the way like rent or dividends. Simple ROI is the net gain divided by the total put in. INR 5.15 lakh in that becomes INR 6.8 lakh is a gain of INR 1.65 lakh, or 32%. On its own, though, it ignores time: 32% over one year is excellent, over ten years it's poor. Annualised ROI fixes that. It's the yearly compound rate that turns what you put in into what you got back over the holding period: (got back / put in) raised to (1 / years), minus 1. 32% over three years is about 9.7% a year. The annualised figure assumes everything came back at the end. If income arrived through the years, the true yearly return is a little higher; for uneven cash flows, use an XIRR calculator. Returns here are before tax. ROI = (total got back − total put in) / total put in x 100; Annualised = (got back / put in)^(1 / years) − 1 Total put in investment + extra costs Total got back final value + income received ## Worked example: Deepa's shop in Indore, held four and a half years Deepa bought a small commercial shop for INR 25 lakh and paid INR 1.75 lakh in stamp duty and registration. Over four and a half years it earned INR 5.4 lakh in rent after maintenance, and she has an offer of INR 34 lakh. She put in INR 26.75 lakh and gets back INR 39.4 lakh, a net gain of INR 12.65 lakh and an ROI of 47.3%. Annualised, that's 9%, before capital gains tax. Return on investment 47.3% +INR 12,65,000 on INR 26,75,000 put in Annualised**9%** Money multiple**1.47x** Held for**4.5 years** Put in **INR 26,75,000**Gain **INR 12,65,000** Invested INR 25,00,000 \+ Extra costs INR 1,75,000 Total put in INR 26,75,000 Value at the end INR 34,00,000 \+ Income received INR 5,40,000 Total got back INR 39,40,000 Net gain INR 12,65,000 Annualised ROI assumes everything came back at the end. If income arrived along the way, XIRR gives a truer yearly figure. [Load this example into the calculator ->](?invested=2500000&costs=175000&final=3400000&income=540000&years=4&months=6#calculator) ## Good to know - Include every cost you paid to make or hold the investment. Leaving out stamp duty or brokerage flatters the ROI. - Compare ROI after tax where you can. Rent is taxed at your slab rate, and gains on property or shares carry capital gains tax. - A short holding inflates the annualised number: 5% in two months annualises to over 34%, which you are unlikely to repeat all year. - For marketing ROI, use the gross profit from the extra sales, not the revenue, as the 'got back' figure. ## Frequently asked questions How do I calculate ROI? Subtract the total you put in from the total you got back, divide by the total you put in, and multiply by 100. Investing INR 1 lakh and getting INR 1.25 lakh back is a 25% ROI. What is annualised ROI? It's the average yearly compound return over the holding period. A 50% total return over five years is about 8.4% a year. It lets you compare investments held for different lengths of time. Is ROI the same as CAGR? Annualised ROI is calculated the same way as CAGR when all the money goes in at the start and comes out at the end. Simple ROI is different: it's the total return without regard to time. What is a good ROI? It depends on the risk. A useful bar is what you could earn safely: a bank FD or government scheme earning around 7% before tax. A riskier business or property investment should clear that by a clear margin to be worth it. ## Sources and assumptions - [SEBI investor education](https://investor.sebi.gov.in/) Rules and rates last checked on 25 October 2026. Results are estimates for planning and education, not tax, legal or investment advice. Kosh is an educational financial planning tool by Primedepth Labs. It is not a SEBI-registered investment adviser and does not offer personalised investment advice, hold your money or execute trades. Markets carry risk; read scheme documents carefully and consult a registered adviser before acting.