📈 CAGR Calculator

Calculate compound annual growth rate for any investment and see a year-by-year breakdown instantly.

💰 Calculate CAGR Free

₹
₹
Yrs
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Compound Annual Growth Rate
Initial Value
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Final Value
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Total Gain / Loss
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Abs. Return
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Duration
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Multiplier
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📐 CAGR Formula Used
CAGR = [(Final Value / Initial Value) ^ (1 / Years)] – 1

📊 Year-by-Year Growth Chart

📅 Year-by-Year Breakdown

Year Opening Value Closing Value Annual Gain Total Return

📖 How to Use This CAGR Calculator

1
Choose your calculation mode — calculate CAGR from values, find the future value of an investment, or determine how long it takes to reach a goal.
2
Enter your values — input your initial investment amount in ₹, the final/target value, and the investment period in years.
3
Click "Calculate Now" — instantly get the CAGR percentage along with a complete year-by-year growth breakdown and visual chart.
4
Analyse the results — review total gain, absolute return, investment multiplier, and the CAGR formula with your actual numbers filled in.

ℹ️ About CAGR Calculator

The CAGR Calculator (Compound Annual Growth Rate Calculator) is a powerful free tool that helps investors, analysts, and students evaluate the performance of any investment over time. Whether you're comparing mutual funds, stocks, real estate, or fixed deposits, CAGR gives you a single annualised rate that makes comparison easy and meaningful.

The CAGR formula is: CAGR = (Final Value / Initial Value)^(1/n) – 1, where n is the number of years. Unlike simple average returns, CAGR accounts for compounding, making it the gold standard for measuring investment growth. For example, the Nifty 50 index has delivered approximately 12–14% CAGR over the last decade.

This investment growth calculator supports three modes — compute CAGR from values, find the future value at a given rate, or calculate how many years it takes to reach a target. It also generates an interactive year-by-year chart and detailed table for complete transparency.

❓ Frequently Asked Questions

CAGR stands for Compound Annual Growth Rate. It represents the steady annual rate at which an investment would have grown from its initial to its final value, assuming profits were reinvested every year. It smooths out volatility and gives a single comparable number regardless of the time period.
The CAGR formula is: CAGR = [(Final Value ÷ Initial Value)^(1/n)] – 1, where n is the number of years. For example, if ₹1,00,000 grew to ₹2,50,000 in 5 years: CAGR = (2.5)^(0.2) – 1 = 20.11%. Multiply by 100 to get the percentage.
A "good" CAGR depends on the asset class and risk. Fixed deposits typically offer 6–7% CAGR. The Nifty 50 index has historically delivered 12–14% CAGR over long periods. Top diversified equity mutual funds have given 15–18% CAGR. As a rule of thumb, beating inflation (currently ~5–6%) is the minimum benchmark.
Absolute return simply measures the total percentage gain without considering how long it took. CAGR annualises the return, making it possible to compare investments held for different periods. For example, a 100% absolute return over 10 years is only 7.18% CAGR, while over 3 years it is 26% CAGR — a huge difference in actual performance.
Yes, CAGR can be negative when the final value is less than the initial investment. A negative CAGR indicates the investment has been eroding value at an annualised compounded rate. For example, a –10% CAGR over 3 years means the investment lost roughly 27% of its total value in that period.