CAGR Calculator
Turn a start value, an end value and a number of years into the yearly rate that connects them.
CAGR Calculator
CAGR
14.87%
- Total return100.00%
- Gain₹1,00,000.00
Works out in your browser. Nothing you type is sent anywhere.
In short: CAGR Calculator
Growing ₹1,00,000 into ₹2,00,000 over 5 years is a CAGR of 14.87%. The plain total return over the whole period is 100.00%, which is the figure advertisements prefer. The annualised rate is the one that lets you compare two investments held for different lengths of time.
What is CAGR?
The compound annual growth rate is the steady yearly rate that would take a starting value to a final value over a given number of years.
How is CAGR calculated?
Divide the final value by the starting value, raise the result to one over the number of years, and subtract one. Multiply by a hundred to read it as a percentage.
- CAGRthe steady yearly rate, as a decimal before converting to a percentage
- V_endthe value at the end
- V_startthe value at the start
- tthe number of years between the two
A worked example
| Value at the start | ₹1,00,000 |
|---|---|
| Value at the end | ₹2,00,000 |
| Years held | 5 years |
| Result | |
| CAGR | 14.87% |
| Total return | 100.00% |
| Gain | ₹1,00,000.00 |
Every figure in this table is produced by the same calculation the tool above runs.
How to use this CAGR calculator
- Enter what the investment was worth when you bought it.
- Enter what it is worth now, or what it sold for.
- Enter the number of years between the two, using decimals for part years.
- Read the CAGR, and compare it with the total return shown beside it.
Questions people ask
What is the difference between CAGR and total return?
Total return is simply how much more the investment is worth, with no reference to time. CAGR spreads that growth evenly across the years, so a doubling in three years and a doubling in ten look very different. Only the annualised figure lets you compare holdings of different lengths.
Does CAGR tell me how the investment actually behaved?
No, and that is its main limitation. It assumes a smooth path that almost no real investment follows, and says nothing about how far the value fell along the way. Two investments with the same CAGR can feel completely different to hold.
Can I use CAGR when I added money along the way?
Not meaningfully, because CAGR assumes a single amount left alone. For regular instalments you need an internal rate of return, which weights each payment by how long it was invested. For a plain SIP, the SIP tool is the closer fit.
What does a negative CAGR mean?
It means the final value is below the starting value, so the investment shrank at that yearly rate. The arithmetic handles it in the same way. A negative figure over a long holding period is worth examining closely rather than averaging away.
Accuracy and sources
Estimate only. Not financial or tax advice.
Checked by the Daytoolz team on 16 October 2026. How we check our tools.
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