CAGR Calculator

Find the compound annual growth rate between a starting and ending value — for stocks, mutual funds, property or business revenue.

Last updated:

₹1,00,00,000
₹5,00,00,000
0.5 yrs40 yrs
CAGR—
Absolute return
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Growth multiple
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Doubling time at this rate
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Value at this CAGR, year by year

CAGR calculator

A fund that doubled your money sounds great — but over 3 years or 12? The CAGR calculator turns any start and end value into the equivalent steady yearly growth rate, so you can fairly compare a stock, a mutual fund, a plot of land or your business's revenue. It also shows the absolute return, the growth multiple and how long money takes to double at that rate.

How to use it

  1. Enter the value at the start (what you invested, or last year's revenue).
  2. Enter the value at the end.
  3. Enter the number of years in between (decimals are fine, e.g. 2.5).

Formula

CAGR = (End ÷ Start)1 ÷ years − 1

Example

You bought a flat for ₹40 lakh in 2016 and it's worth ₹62 lakh in 2026. CAGR = (62 ÷ 40)1/10 − 1 ≈ 4.5% a year — before maintenance and taxes, and below what a simple index fund SIP has often returned. Investing every month instead? Use the XIRR calculator; projecting forward, the SIP calculator.

Disclaimer: Results are estimates for educational purposes only and are not financial, investment or tax advice. Please verify with your bank, broker or a SEBI-registered adviser before acting. Read the full disclaimer.

Frequently asked questions

What is CAGR?
Compound Annual Growth Rate is the steady yearly rate at which an investment would have grown from its starting value to its ending value. It smooths out ups and downs, so you can compare investments held for different periods.
How is CAGR calculated?
CAGR = (Ending value ÷ Starting value)^(1 ÷ years) − 1. For example, ₹1 lakh growing to ₹2 lakh in 5 years is (2)^(1/5) − 1 ≈ 14.87% a year.
What is the difference between CAGR and absolute return?
Absolute return is the total gain as a percentage (100% when money doubles), regardless of time. CAGR spreads that gain evenly over the years. Doubling in 5 years and in 10 years are both 100% absolute, but 14.9% and 7.2% CAGR.
Should I use CAGR or XIRR for SIPs?
CAGR assumes one investment at the start. For SIPs or any investments made on different dates, use XIRR, which accounts for when each amount went in.