Is Your Hustle Worth It?
Compare your side hustle ROI against your country's risk-free rate, inflation, and S&P 500. Find out if you're grinding for less than a passive investor earns.
Your Hustle Details
What $10,000 Becomes in 10 Years
Compounding $10,000 across different return scenarios
Frequently Asked Questions
What is the risk-free rate and why does it matter?
The risk-free rate is what you earn with zero risk — typically government bonds. In India, the 10-yr G-Sec is currently 7.1%. Your hustle ROI must beat this rate to be worth the risk, effort, and capital involved. If your hustle returns less than government bonds, you're taking on all that risk for a worse return.
How do I calculate my hustle ROI?
Hustle ROI = (Annual Profit ÷ Startup Cost) × 100%. For example, if you invest $1,000 to start a hustle earning $500/month profit, your annual profit is $6,000 and ROI is 600%. But remember — this ignores your time cost, which this tool accounts for via effective hourly rate.
What does inflation-adjusted real return mean?
Real return = Nominal return − Inflation rate. With 4.8% inflation in India, a 600% hustle ROI gives you a 595.2% real return. The risk-free rate (7.1%) gives 2.3% real. Your goal is to maximize real return per hour of effort.
"Your hustle is worth the risk"
Your Hustle ROI
annual return on $1,000 investment
Inflation-Adjusted Real Return
+595.2%
600% nominal − 4.8% inflation
EHR
$11.55/hr