Stock Profit/Loss Calculator — After Tax & STT | Techovra
ROI Calculator
Get your total return as a percentage, and see the annualised figure next to it.
Calculate Your ROI
Add the holding period to see ROI and CAGR side by side. Results update as you type.
Return on Investment is the simplest performance number in finance: what you got back, as a percentage of what you put in, with no time factor involved. This ROI calculator gives you that number instantly, and explains the one thing it deliberately leaves out that trips people up when comparing investments held for different lengths of time.
What this tool does
Enter your initial investment and its current or final value, and this return on investment calculator gives you the total percentage gain or loss, a single number that answers "how much did I make on this, overall?" without factoring in how long it took to get there.
The ROI formula
A worked example
Say you bought a stock for ₹1,00,000 and sold it three years later for ₹1,50,000.
- Gain: 1,50,000 − 1,00,000 = ₹50,000.
- Run the formula: ROI = (50,000 ÷ 1,00,000) × 100 = 50%.
A 50% ROI is the correct, simple answer to "how much did this investment return in total?" But it says nothing about whether that took 3 months or 3 years, which is exactly where ROI can mislead you if you're not careful. Our guide on ROI vs CAGR explained walks through the same trap with more side-by-side examples.
ROI vs CAGR: same investment, two very different-looking numbers
Take that same trade, ₹1,00,000 growing to ₹1,50,000 over 3 years, and annualise it instead: CAGR = (1.5)^(1/3) − 1 ≈ 14.47% p.a. Both numbers are correct. ROI (50%) tells you the total gain over the whole period. CAGR (14.47% p.a.) tells you the annualised rate, which is what you'd actually use to compare this investment against a different one held for a different length of time.
Use ROI when you want the total gain on a single investment, or you're comparing investments held over roughly the same period. Use CAGR the moment you're comparing investments with different holding periods. A 50% ROI over 3 years and a 50% ROI over 8 years are not remotely the same result once you annualise them.
Frequently Asked Questions
Can ROI be negative?
Yes. If the final value is lower than what you invested, the formula returns a negative percentage, which correctly reflects a loss. A ROI of −20% means you got back 80% of what you put in.
Does ROI account for taxes or fees?
Not unless you build them into the initial or final value yourself, which the optional fees field above does for you. For a stock trade specifically, brokerage, STT and capital gains tax all reduce your real take-home return. See our stock profit/loss calculator for a worked example that includes all three.
This shows you the return math using standard formulas. It is not investment advice. Equity returns are not guaranteed and past performance does not predict future results.