CAGR calculator: enter starting value, ending value and years to find the compound annual growth rate of an investment, revenue or any metric. Free online.

What is the CAGR Calculator?

The CAGR Calculator finds the compound annual growth rate: the steady yearly rate that would take a starting value to an ending value over a given number of years. Enter the starting value, the ending value and the period, and it returns the annualised growth as a percentage. It smooths out ups and downs into one comparable figure.

Investors use it to compare a stock, mutual fund or property with other options, while business owners and analysts use it for revenue, profit, users or production growth. Because it only needs three numbers, it is ideal for quick comparisons. It works for declines too, returning a negative rate. It does not account for money added or withdrawn along the way, so use it on single, untouched amounts.

How to use the CAGR Calculator

Enter the value at the beginning in Starting value (> 0), for example 100000.
Enter the value at the end of the period in Ending value, such as 250000.
Enter the length of the period in Years (> 0). Decimals like 7.5 work.
Press Calculate to see the CAGR as a percentage.
Copy the rate or press Reset to compare another investment.

Features

Annualises growth into a single percentage
Reports negative CAGR for declining values
Accepts fractional years
Validates that starting value and years are above zero
One-click copy of the rate

Why use this cagr calculator

Compare investments held for different lengths of time
Judge fund or portfolio performance against FD rates
Summarise business growth in one clear number
Free, instant and private

Formula used

CAGR = ((ending / beginning)^(1/years) − 1) × 100%.

Examples

Investment that grew 2.5 times

Input: Starting value 100000, Ending value 250000, Years 5

Result: 20.1124% Growing from ₹1 lakh to ₹2.5 lakh in 5 years is about 20.11% a year.

Investment that lost value

Input: Starting value 45000, Ending value 38000, Years 3

Result: -5.48% The holding lost about 5.48% a year on a compounded basis.

Property held for seven and a half years

Input: Starting value 200000, Ending value 500000, Years 7.5

Result: 12.9949% The price rose roughly 13% a year.

Results are estimates for general information, not financial, medical, legal, tax, or property advice. Confirm important figures with the relevant institution or a qualified professional.

CAGR Calculator: frequently asked questions

What is the formula for CAGR?

CAGR = ((Ending value ÷ Starting value)^(1 ÷ Years) − 1) × 100. For ₹1,000 becoming ₹1,210 in 2 years, that is (1.21^0.5 − 1) × 100 = 10%. The calculator applies this formula directly, so you only need the two values and the number of years, including fractions of a year.

What is a good CAGR for mutual funds?

There is no single benchmark. Compare a fund's CAGR with its category average, its benchmark index and safer options such as FD rates over the same period. Higher CAGR usually comes with higher risk. Past growth does not guarantee future returns, so treat CAGR as a way to compare history, not as investment advice.

Can CAGR be negative?

Yes. If the ending value is lower than the starting value, the calculator returns a negative rate. For example, ₹45,000 falling to ₹38,000 over 3 years gives -5.48%. An ending value of zero returns -100%, meaning the entire amount was lost. The starting value, however, must be greater than zero.

Can I use CAGR for a SIP or an investment with extra deposits?

Not accurately. CAGR assumes one starting amount that grows untouched until the end. Regular SIP instalments, top-ups or withdrawals distort the result because money entered at different times. For such cash flows, an XIRR calculation is the correct measure. This calculator does not compute XIRR.

What is the difference between CAGR and absolute return?

Absolute return is the total percentage gain over the whole period, regardless of how long it took, while CAGR spreads that gain into an equivalent yearly rate. ₹1 lakh growing to ₹2.5 lakh is a 150% absolute return, but over 5 years that works out to a CAGR of about 20.11%.