CAGR calculator
Turn what an investment was worth then and now into a compound annual growth rate, and see the total return beside it.
CAGR
12.25%
The yearly rate that turns the first figure into the second
Total return
100.0%
Gain
₹1,00,000
- Starting value
- Value
See the numbers
| Year | Starting value | Value | Growth |
|---|---|---|---|
| 0 | ₹1,00,000 | ₹1,00,000 | ₹0 |
| 1 | ₹1,00,000 | ₹1,12,250 | ₹12,250 |
| 2 | ₹1,00,000 | ₹1,26,001 | ₹26,001 |
| 3 | ₹1,00,000 | ₹1,41,436 | ₹41,436 |
| 4 | ₹1,00,000 | ₹1,58,762 | ₹58,762 |
| 5 | ₹1,00,000 | ₹1,78,210 | ₹78,210 |
| 6 | ₹1,00,000 | ₹2,00,041 | ₹1,00,041 |
- CAGR smooths out the path: the same answer comes from a steady climb and from a crash followed by a recovery.
- It only works when nothing went in or came out along the way. For a SIP, use the SIP return tracker, which works out XIRR.
Common questions
CAGR or absolute return?
Absolute return says how much it grew; CAGR says how fast. Doubling in 3 years and doubling in 10 are both 100 per cent absolute, and 26 per cent against 7 per cent a year - which is the number that lets you compare two investments.
When is CAGR the wrong tool?
When money went in or out along the way. Use the SIP return tracker, which works out XIRR from dated cash flows.
Other calculators
- SIP return trackerWhat your own SIP actually earned, instalment by instalment.
- Portfolio safety checkYour holdings against the rules of thumb planners actually use.
- SIP calculatorWhat a monthly investment could grow into, with or without a yearly step-up.
- Lumpsum calculatorWhat one amount, invested once, could become.
This is general information for education, not investment, tax or legal advice. Rules and rates change; check the official source before acting. Read the full disclaimer.