Yearly growth rate between two values, or the value or rate needed for a target
Estimates only, not financial advice. What you type stays on your device. Updated on 24 Oct 2026.Compound annual growth rate turns a total gain into a yearly one, which is the only fair way to compare investments held for different lengths of time. One lakh becoming two lakh over 5 years is 14.9 per cent a year, not 20. Worked out in your browser.
Under What do you want to find?, pick CAGR, Final value or Growth needed for a target.
Set the Starting value and the Final value, or the Growth rate (CAGR) if you are projecting.
Set the Period slider, or tap one of the year chips under it.
Read the CAGR, Absolute return and Multiple, and open Year by year for the path; Share result copies a link.
The CAGR calculator gives the compound annual growth rate: the single yearly rate at which a starting value would have grown into a final value over a period. Enter the two values and the number of years, and you get the CAGR together with the absolute return, the gain and a chart of the steady-growth path. Years can be fractional, so 3 years and 6 months is 3.5.
It also works the other way. "Find final value" takes a starting amount and a growth rate and shows what it becomes. "Required growth" takes today's amount and a target, and shows the yearly rate you would need to reach it in time.
People use CAGR to compare investments held for different lengths of time. A fund that turned ₹1,00,000 into ₹2,50,000 in 5 years shows a 150% absolute return, but that is 20.11% a year; a deposit that doubled in 5 years grew at 14.87% a year.
The formulas, in plain text: CAGR = (final value ÷ starting value)^(1 ÷ years) − 1. Final value = starting value × (1 + CAGR)^years. Absolute return = (final value − starting value) ÷ starting value.
CAGR describes the start and the end only. It hides the ups and downs in between and ignores money added or taken out along the way; for regular investments like a SIP, XIRR is the right measure. Everything runs in your browser. Estimates only, not financial advice.
Sources: the standard compound growth formula; SEBI and AMFI investor education material, which explain that mutual fund returns over more than a year are shown as compounded annualised returns.
Divide the final value by the starting value, raise the result to the power of one divided by the number of years, and subtract 1. For ₹1,00,000 growing to ₹2,50,000 in 5 years: 2.5 to the power 0.2 is 1.2011, so the CAGR is 20.11% a year.
Absolute return is the total change, however long it took: ₹1 lakh to ₹2.5 lakh is 150%. CAGR spreads that over the years as a steady compounding rate: over 5 years it is 20.11% a year. Use CAGR to compare investments held for different periods.
Yes. Enter the years as a decimal: 2 years and 4 months is about 2.33 years, and 6 months is 0.5. The formula works the same way for fractional periods.
Doubling needs about 14.87% a year over 5 years, 10.41% over 7 years and 7.18% over 10 years. Choose Required growth, enter today's amount, the target and the number of years, and the exact rate appears. The rule of 72 gives the same answer roughly: 72 divided by the rate is the years to double.
No. CAGR assumes one amount invested at the start. A SIP adds money every month, so each instalment is invested for a different time. For that, use XIRR, which accounts for the date of every payment, or the SIP calculator.
Yes. If the final value is below the starting value the CAGR is negative: ₹1,00,000 falling to ₹81,000 over 2 years is −10% a year. If the value falls to zero, the CAGR is −100%.
Formula only: no rates or limits are read from an official source.
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Same job, other tools: Dividend Yield Calculator – Turn a dollar-a-share dividend into a yield, or a yield into what it pays you · Yield on Cost Calculator – What your own purchase price yields today, after years of dividend increases · Step-up SIP Calculator – See how raising your SIP every year changes the final corpus.
On the related tools: Child Education Planning Calculator – Plan a college fund: the fee today, the fee then, and the SIP in between.
Also works as: Compound Annual Growth Rate Calculator.
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