CAGR Calculator
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Quick Summary
- Calculate the compound annual growth rate of any investment from its start and end value. Enter initial value, final value and years. Free, instant.
- For example, ₹1,00,000 → ₹2,00,000 in 7.2 years works out to CAGR ≈ 10.1%.
- Built for investors who want to compare the annualized growth rate of any investment held for a fixed period
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Calculate CAGR
Absolute Return
+0%CAGR (Compound Annual Growth Rate)
Invested
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Final Value
₹0
Profit
₹0
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Benchmark CAGR Ranges (India)
How the CAGR Calculator Works
You enter your investment's starting value, ending value, and the number of years between them. CAGR smooths the entire journey — including any ups and downs along the way — into a single constant annual growth rate that would take you from the starting value to the ending value.
Example Scenarios
| Scenario | Result |
|---|---|
| ₹1,00,000 → ₹2,00,000 in 7.2 years | CAGR ≈ 10.1% |
| ₹5,00,000 → ₹10,00,000 in 6 years | CAGR ≈ 12.2% |
| ₹1,00,000 → ₹3,00,000 in 10 years | CAGR ≈ 11.6% |
* Illustrative estimates assuming constant annual returns. Actual results vary with market conditions.
Frequently Asked Questions
CAGR (Compound Annual Growth Rate) measures the smoothed annual growth rate of an investment over a period, calculated as CAGR = (Final Value / Initial Value)^(1/Number of Years) − 1. It shows the constant annual rate that would take the initial value to the final value.
Absolute return is the total percentage gain over the entire holding period regardless of time taken. CAGR annualizes that return, making it possible to fairly compare investments held for different durations.
A CAGR of 10-12% over 10+ years is considered good for large-cap equity mutual funds in India; mid-cap and small-cap funds have delivered 13-16% CAGR historically but with higher volatility.
Common Mistakes to Avoid
- Comparing CAGR figures across different time periods without checking they cover the same market cycle.
- Confusing CAGR with absolute return, especially over short holding periods.
- Ignoring that CAGR is a smoothed average — it hides how volatile the actual year-to-year journey was.
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* Calculations assume constant annual returns. Actual mutual fund returns vary. Past performance is not indicative of future results. FD comparison uses 7% p.a. SIP returns are compounded monthly.
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