CAGR Calculator
CAGR is the great equaliser of investments: it converts any lumpy, irregular growth into a single smooth yearly rate, so you can compare a stock, a mutual fund and a property on equal footing.
Example: ₹1 lakh becoming ₹2 lakh in 5 years is a 14.87% CAGR — but also 'just' a 100% total gain. Both numbers describe the same journey; CAGR just makes it comparable.
Four steps, thirty seconds.
Enter the starting value. What you began with.
Enter the ending value. What it's worth now (or at the end of the period).
Enter the number of years. Fractions allowed in spirit — round sensibly.
Compare apples to apples. Now line up the CAGRs of your FD, your mutual fund and your property — the ranking often surprises.
The formula: CAGR = (End ÷ Start)(1/n) − 1.
Worked example: ₹1 lakh → ₹2 lakh in 5 years = 14.87% CAGR, 100% total growth, doubling every ~4.8 years (rule of 72).
Standard CAGR definition used across SEBI-mandated mutual-fund performance disclosures.
CAGR handles one investment and one redemption. XIRR handles multiple cash flows at irregular dates (like SIPs). For SIP returns, XIRR is the right tool; for a single lumpsum, CAGR.
Published fund CAGR assumes a lumpsum invested on day one. If you invested via SIP at different NAVs, your personal return (XIRR) will differ — often lower in rising markets.
Yes — if the end value is below the start value, CAGR goes negative, showing the annualised rate of loss.
Divide 72 by the CAGR to estimate doubling time: 72 ÷ 14.87 ≈ 4.8 years. A handy mental shortcut this calculator shows automatically.
Disclaimer: Educational illustration only — not financial advice. CAGR smooths volatility; it doesn't mean returns were steady each year.