CAGR Calculator
సీఏజీఆర్ కాలిక్యులేటర్
The steady yearly growth rate between a start and an end value: a fund, gold or a plot of land.
ఫండ్, బంగారం, స్థలం: మొదటి, చివరి విలువల మధ్య ఏటా సగటు వృద్ధి రేటు (సీఏజీఆర్).
Your result
CAGR వార్షిక వృద్ధి రేటు
₹1,00,000 became ₹3,10,000 in 10 years: as if it grew 11.98% every year.
- Absolute returnమొత్తం రాబడి
- +210%
- Gainలాభం
- ₹2,10,000
- Money multipliedఎన్ని రెట్లు
- 3.1 times
- Doubles everyరెట్టింపు
- 6.1 years at this rate
Year by year ఏడాదివారీగా
- Start value
- Growth
Use the left and right arrow keys to read each year; the table below lists every value.
Show the year-by-year table
| Year | Value | That year | So far |
|---|---|---|---|
| 1 | ₹1,11,979 | ₹11,979 | ₹11,979 |
| 2 | ₹1,25,393 | ₹13,414 | ₹25,393 |
| 3 | ₹1,40,413 | ₹15,021 | ₹40,413 |
| 4 | ₹1,57,233 | ₹16,820 | ₹57,233 |
| 5 | ₹1,76,068 | ₹18,835 | ₹76,068 |
| 6 | ₹1,97,159 | ₹21,091 | ₹97,159 |
| 7 | ₹2,20,777 | ₹23,617 | ₹1,20,777 |
| 8 | ₹2,47,223 | ₹26,447 | ₹1,47,223 |
| 9 | ₹2,76,838 | ₹29,615 | ₹1,76,838 |
| 10 | ₹3,10,000 | ₹33,162 | ₹2,10,000 |
CAGR formula, with an example
The compound annual growth rate is the one steady yearly rate that turns the start value into the end value over the period, as if the growth were added once a year:
CAGR = (end value ÷ start value) 1 ÷ years − 1
Example: money that doubles in 10 years has grown 7.18% a year. Say a mutual fund investment of ₹1,00,000 is worth ₹3,10,000 after 10 years: 11.98% a year. 10 grams of gold bought for ₹30,000 and sold for ₹1,20,000 10 years later: 14.87% a year. A plot bought for ₹5,00,000 and sold for ₹40,00,000 after 18 years 6 months: a 700% absolute return, but only 11.9% a year.
How to calculate CAGR for 3, 5 or 10 years
Divide the end value by the start value, raise the answer to the power 1 ÷ years, and take away 1: ₹1,00,000 that becomes ₹1,50,000 in 3 years has grown 14.47% a year, and one that doubles in 5 years, 14.87%.
- Months count as part of a year: 18 years 6 months is 18.5 years. The calculator takes years and months.
-
In Excel or Google Sheets, with the start value in A2, the end value in B2 and the years in C2:
=(B2/A2)^(1/C2)-1, shown as a percentage.
Reverse CAGR: the end value at a growth rate
Choose "End value" under "Find" to turn it round: ₹1,00,000 growing at 12% a year for 10 years becomes ₹3,10,585.
end value = start value × (1 + CAGR) years
Good to know
- CAGR shows only the start and the end: a fund that fell 30% and recovered can have the same CAGR as one that rose steadily.
- Count every cost: for land, the stamp duty and registration you paid and the brokerage when you sell; for gold jewellery, the making charges. They lower the real CAGR.
- Compare it with inflation: at 12% CAGR and 6% inflation, the money's buying power grows about 5.7% a year. The inflation calculator has the Cost Inflation Index for past years.
- For a monthly SIP, CAGR does not fit (each instalment is held for a different time): funds use XIRR.
Questions
What is the difference between CAGR and absolute return?
Absolute return is the total gain over the whole period (700% on the plot above); CAGR spreads it into a yearly rate (11.9%), so investments held for different lengths of time can be compared.
CAGR or XIRR for a mutual fund?
CAGR is for one amount put in and one value at the end. XIRR is for many payments on different dates, such as a SIP: the SIP calculator's "Return earned" works it out from what your SIP is worth today.
Can CAGR be negative?
Yes. If ₹1 lakh falls to ₹80,000 in 2 years, the CAGR is −10.56%: a fall of that much, on average, each year.
Is a fund's CAGR its guaranteed return?
No. A mutual fund's past CAGR describes what happened; future returns can be higher or lower. Use it to compare, not to predict.
What next? తర్వాత ఏం చూడాలి
See all calculators →Results are estimates for planning, at the rates you enter. Check exact figures with your bank, fund house or tax adviser before you decide.
