CAGR Calculator
Finance & InvestmentTurn a start value and an end value into an annualised rate of return.
Runs entirely in your browser — nothing is uploaded
Features
- CAGR alongside the absolute return, so the difference is obvious.
- Years to double at the same rate.
- Checks itself by compounding the answer back up.
- Runs entirely in your browser — nothing you enter is uploaded.
How to use the CAGR Calculator
- 1Enter what the investment was worth at the start and at the end.
- 2Set how many years it took.
- 3Read the annualised rate — the figure that makes two investments comparable.
Frequently asked questions
What is the CAGR formula?
CAGR = (End ÷ Begin)^(1/years) − 1, expressed as a percentage. It is the steady annual rate that would take the starting value to the ending value over that period.
How is CAGR different from absolute return?
Absolute return is the total growth and ignores time — doubling your money is 100% whether it took two years or twenty. CAGR spreads that growth across the years, so doubling in five years is 14.87% a year and in ten years is 7.18%. Only the annualised figure lets you compare.
What CAGR is a good return?
It depends what you compare against. Inflation is the floor — anything below it loses purchasing power. Indian equity indices have historically returned roughly 11–13% over long periods, debt funds and FDs 6–8%. A CAGR is only meaningful next to the risk taken to earn it.
When should I use XIRR instead?
Whenever money went in or out more than once. CAGR assumes a single investment held for the whole period; a SIP, a top-up or a partial withdrawal breaks that assumption and needs XIRR, which accounts for the timing of each cash flow.