CAGR Calculator
This CAGR calculator works out the compound annual growth rate — the single steady yearly rate that would take a starting value to an ending value over a given period. Enter the starting value, ending value and number of years, and the calculator smooths out every irregular up-and-down year into one comparable number. It works equally well for investment returns, company revenue, portfolio value or any metric that changes over time.
The value at the beginning of the period — your initial investment, or a metric's starting figure (revenue, price, portfolio value).
The value at the end of the period — what the investment or metric grew (or shrank) to.
The length of the period between the starting and ending value, in years.
20.11%
The single steady annual rate that explains your growth — e.g. ₹1,00,000 growing to ₹2,50,000 over 5 years is a 20.11% CAGR.
How many times over your money grew — a multiple of 2.5 means every ₹1 became ₹2.50.
The value at the beginning of the period, exactly as you entered it above.
The value at the end of the period, exactly as you entered it above.
Frequently asked questions
How is CAGR different from average annual return?+
Average return sums each year's percentage and divides by the number of years; CAGR compounds. A fund returning +50% then −50% averages 0% but has a negative CAGR, because CAGR reflects what actually happened to your money, not an arithmetic average of percentages.
Can CAGR be negative?+
Yes — enter an ending value lower than the starting value and the calculator returns a negative CAGR, correctly showing the investment shrank on average each year.
What is a good CAGR for mutual funds in India?+
Large-cap equity funds have historically delivered roughly 10–13% CAGR over long periods; mid- and small-cap funds have delivered more with far more volatility. Compare a fund's CAGR against its category average and a relevant index over the same period, not in isolation.
Does CAGR account for additional investments during the period?+
No — CAGR assumes a single starting value and a single ending value with nothing added or withdrawn in between. If you invested via SIP or made multiple contributions, use XIRR instead, which accounts for the timing and size of each cash flow.
How do I use CAGR to project future value?+
Apply the same compounding formula forward: Future value = Starting value × (1 + CAGR)ⁿ. Our compound interest calculator does exactly this if you want to project a value forward using an assumed rate rather than measure a rate from two known values.
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