Return on investment as a total percentage and as a yearly (annualised) rate
Estimates only, not financial advice. What you type stays on your device. Updated on 24 Oct 2026.ROI is the gain divided by what you put in: (final value − amount invested) ÷ amount invested. Put in 1,00,000 and get back 1,50,000 and the ROI is 50,000 ÷ 1,00,000 = 50%. That figure ignores time, so it cannot compare three years with one. Annualised ROI fixes that by asking what steady yearly rate gives the same result: (1,50,000 ÷ 1,00,000)^(1 ÷ 3) − 1 = 14.47% a year, the same formula as CAGR. The page opens on that example; type your own amounts and period.
CAGR is already selected under What do you want to find?.
Enter what you put in as the Starting value and what you got back as the Final value.
Set the Period to how long the money was invested, in years; fractions such as 1.5 work.
Read Absolute return as the ROI and CAGR as the annualised ROI; Gain shows the profit in money.
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 rest of the article, and all 6 questions about CAGR Calculator, are on the CAGR Calculator page.
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.
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.
Formula only: no rates or limits are read from an official source.
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