Formula
(E/B)^(1/n)−1
Date-Precise
Fractional Yrs
Real Return
Inflation-Adj
Doubling Time
Rule of 72
Goal Planner
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CAGR Calculator
Four calculators in one — CAGR by values, CAGR by dates, future value projection and goal planner. CAGR is a timeless formula based only on your numbers, so it stays correct in any year. Comparison benchmarks (inflation/FD) can be updated via a hosted config.
Auto date
₹
Initial investment amount.
₹
Value at the end of the period.
Years
Decimals allowed (e.g. 2.5).
Years
Optional: extend growth at same CAGR.
%
For real (inflation-adjusted) CAGR.
%
Compare CAGR against a benchmark.
₹
₹
Investment start.
Defaults to today.
%
%
₹
%
Can be negative for a decline.
Years
Years
%
₹
The amount you want to reach.
%
Years
₹
If set, also shows the required CAGR.
%
CAGR Formula
Growth Schedule
| Period | Value | YoY Growth |
|---|
What is CAGR & Where It's Used
CAGR (Compound Annual Growth Rate) measures the smoothed, annualized rate at which an investment grows from a beginning value to an ending value over a period, assuming gains are reinvested. It ignores interim volatility to give a single comparable growth rate.
- Mutual Funds & StocksCompare scheme or portfolio returns across different holding periods.
- FD / PPF / EPFExpress fixed-income growth as an annualized rate.
- Business Revenue & ProfitMeasure multi-year growth of revenue, users or earnings.
- Real Estate & GoldAnnualize appreciation of property or commodities.
- Goal PlanningWork backwards from a target to the investment needed today.
- LimitationCAGR assumes one begin/end value and steady compounding; for SIPs or irregular cash flows use XIRR.
CAGR vs Other Return Metrics
| Metric | What it measures | Best for | Considers timing? |
|---|---|---|---|
| CAGR | Smoothed annualized growth (begin → end) | Comparing investments over different periods | No (single begin/end) |
| Absolute Return | Total % gain over the whole period | Simple total performance | No |
| Annualized Return | Geometric mean yearly return | Same as CAGR for begin/end | No |
| XIRR | Internal rate for multiple dated cash flows | SIPs, staggered investments/withdrawals | Yes |
| Real CAGR | CAGR adjusted for inflation | True purchasing-power growth | No |
Worked Example
₹1,00,000 → ₹2,00,000 in 5 years
CAGR = (2,00,000 / 1,00,000)^(1/5) − 1 = (2)^(0.2) − 1 = 0.1487 = 14.87% p.a.
Absolute return = (2,00,000 − 1,00,000) / 1,00,000 = 100% over 5 years
Doubling time (exact) = ln(2) / ln(1.1487) ≈ 5.0 years · Rule of 72 = 72 / 14.87 ≈ 4.84 years
Real CAGR at 6% inflation = 1.1487 / 1.06 − 1 ≈ 8.37%
Absolute return = (2,00,000 − 1,00,000) / 1,00,000 = 100% over 5 years
Doubling time (exact) = ln(2) / ln(1.1487) ≈ 5.0 years · Rule of 72 = 72 / 14.87 ≈ 4.84 years
Real CAGR at 6% inflation = 1.1487 / 1.06 − 1 ≈ 8.37%
Frequently Asked Questions
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