Stock Return Calculator

Absolute return is the total gain or loss in percentage terms without considering time. CAGR (Compound Annual Growth Rate) is the annualized return that smooths out volatility and shows what you would earn annually. For example, 50% return over 3 years equals 14.47% CAGR. CAGR is better for comparing investments held for different time periods.

Yes, absolutely! Dividends are a crucial part of total returns, especially for dividend-paying stocks. Many blue-chip stocks provide 2-4% annual dividend yields. Ignoring dividends will understate your actual returns. Total return = capital gains + dividends received.

Historically, Indian equity markets (Nifty 50) have delivered 12-15% CAGR over long periods (10+ years). Returns of 15-20% CAGR are considered very good, while 20%+ CAGR is exceptional. However, returns vary greatly by sector, stock selection, and time period. Compare your returns with relevant benchmarks like Nifty or Sensex.

For partial sales, calculate returns separately for each transaction using FIFO (First In First Out) or average cost method. Our calculator works for complete holdings. For complex scenarios with multiple buy/sell transactions, maintain a detailed spreadsheet or use portfolio tracking apps.

Yes. For equity stocks: Short-term capital gains (holding < 1 year) taxed at 20%. Long-term capital gains (holding > 1 year) above ₹1.25 lakh per year taxed at 12.5%. Dividends are added to income and taxed as per your tax slab. Always account for taxes when calculating net returns.

Yes, if your final value is less than initial investment, you'll have negative returns (loss). This is common in bear markets or poor stock selection. Negative CAGR indicates your investment has lost value annually. It's important to cut losses and reallocate to better opportunities.

For long-term investors, quarterly or annual reviews are sufficient. For active traders, monthly tracking is recommended. Avoid obsessing over daily fluctuations. Focus on long-term CAGR over 3-5+ year periods for meaningful evaluation of stock performance.

For diversified portfolio in large-cap stocks: 12-15% CAGR is realistic long-term. Mid-cap and small-cap stocks can deliver 15-20% CAGR but with higher volatility. Individual quality stocks can achieve 20-25%+ CAGR over decades. Anything promising 30%+ CAGR consistently is unrealistic or very high risk.

Yes, always compare with alternatives. Fixed deposits currently give 6-7% assured returns. Equity SIPs historically deliver 12-15% CAGR. Your stock picking should ideally beat these benchmarks to justify the extra effort and risk. If consistently underperforming, consider switching to passive index funds.

Stock splits and bonus shares don't change your investment value or returns - they just increase quantity and reduce price proportionally. Adjust your quantities in records, but the total value remains same. Our calculator uses value-based approach, so splits/bonuses are automatically accounted for in final value.

For SIP-style stock purchases (multiple transactions at different prices), calculate weighted average purchase price or use XIRR (Extended Internal Rate of Return) method for accurate returns. This calculator is designed for lumpsum investments. Use SIP Calculator or XIRR calculators for systematic purchase scenarios.

30% annual returns are possible in exceptional years or with great stock picks, but NOT sustainable long-term for most investors. Even legendary investors like Warren Buffett average 20% CAGR over decades. Be wary of anyone promising consistent 30%+ returns - it's either very high risk or potentially fraudulent. Focus on consistent 15-18% CAGR for wealth creation.