Free CAGR Calculator
Work out compound annual growth rate in seconds. Find the CAGR between a start and end value, project a final value from a growth rate, or find how many years a target rate needs, and see the total return alongside it.
Get the annual growth rate between a start and end value.
150% total return over 5.00 years
- Initial value
- ₹1,00,000.00
- Final value
- ₹2,50,000.00
- Time period
- 5.00 years
- Total return
- 150%
- CAGR
- 20.11%
Handy for quick checks and comparisons. CAGR smooths out the ride, so read it alongside the actual year-by-year path before you rely on it.
Work out growth in four steps.
Choose what you want to work out, type your numbers, and read the CAGR, the total return and a year-by-year growth path. Everything updates as you type.
Pick what to work out
Find the CAGR from a start and end value, project a final value from a growth rate, or find how many years a target rate needs.
Enter your numbers
Type the initial value, the final value or rate, and the time period in years. Choose your currency so the totals read the way you expect.
Read the result
See the CAGR, the total return, and a year-by-year growth path, all updating as you type.
Copy or reuse it
Copy the full breakdown in one tap for a report, a pitch or your records.
More than just a growth rate.
Most CAGR calculators only run the numbers one way. This one works in every direction, so you can start from whatever you already know.
Find the CAGR
The classic. Enter a start value, an end value and the years, and read the smoothed annual growth rate that connects them.
Find the final value
Know the growth rate you expect? Project what an amount grows into over a number of years at that rate.
Find the years
Know where you are, where you want to be and the rate? Work out how many years it takes to get there.
How the CAGR maths works.
The formulas behind each mode, with a worked example. The maths is the same in any currency.
Find the CAGR
CAGR = (Final ÷ Initial) ^ (1 ÷ Years) - 1
Example: ₹1,00,000 growing to ₹2,50,000 over 5 years is a CAGR of about 20.11%.
Find the final value
Final = Initial × (1 + CAGR) ^ Years
Example: ₹1,00,000 at 12% for 5 years grows to about ₹1,76,234.
Find the years
Years = ln(Final ÷ Initial) ÷ ln(1 + CAGR)
Example: Going from ₹1,00,000 to ₹2,00,000 at 12% takes about 6.12 years.
Total return vs CAGR
Total return = (Final - Initial) ÷ Initial × 100
Example: ₹1,00,000 to ₹2,50,000 is a 150% total return, but a 20.11% CAGR.
Growth you can watch live.
This tool is great for a one-off number. But if you want to track revenue growth, user growth and portfolio returns live, with the data pulled straight from your own systems and updated as it changes, you want that built into a dashboard. That is the kind of custom ERP, finance and reporting software we build at Techliphant, shaped around how your business actually works.
Planning a SIP next? Try the SIP calculator.
Common CAGR questions.
CAGR stands for compound annual growth rate. It is the single, smoothed rate at which an amount would have grown each year to move from its starting value to its ending value, if it grew at a steady rate the whole time. It is a clean way to compare investments or business metrics that grew unevenly year to year.
Divide the final value by the initial value, raise that to the power of one divided by the number of years, then subtract one. So CAGR = (Final ÷ Initial) ^ (1 ÷ Years) - 1. For example, ₹1,00,000 growing to ₹2,50,000 over 5 years is (2.5) ^ (1 ÷ 5) - 1, which is about 20.11% a year.
Total return is the overall percentage gain across the whole period, ignoring time. CAGR spreads that gain evenly across each year so you can compare periods of different lengths. ₹1,00,000 growing to ₹2,50,000 is a 150% total return, but only a 20.11% CAGR over 5 years.
A simple average adds up each year’s return and divides by the number of years, which overstates growth because it ignores compounding. CAGR is a geometric mean, so it accounts for the way each year builds on the last. For a series with ups and downs, the CAGR is always lower than or equal to the simple average.
It depends entirely on the asset and the risk. Broad equity markets have historically delivered a CAGR in the low double digits over long stretches, while a fixed deposit sits much lower. A high CAGR usually comes with more risk or a shorter, luckier window, so always read it alongside the time period and what is being measured.
Yes. If the final value is lower than the initial value, the CAGR is negative, which shows a steady annual decline. This calculator handles that case and will show a negative rate when your end value is below where you started.
No, and that is worth remembering. CAGR only looks at the start and end points, so two investments with the same CAGR can have taken very different paths. One may have been smooth while the other swung wildly in between. Use CAGR to compare outcomes, not to judge how bumpy the ride was.
Yes on both. It is free, there is no sign-up, and it runs entirely in your browser. Nothing you type is sent anywhere or saved, so your numbers stay on your own device.
It is great for a quick read on revenue growth, user growth or portfolio returns. For tracking growth rates live across products, cohorts and time, with the data pulled straight from your systems, you want a dashboard that does it for you. That is the kind of custom finance and reporting software we build at Techliphant.
Private by design: this calculator runs entirely in your browser, so nothing you type is uploaded or stored. It is provided free for quick estimates and educational use. CAGR looks only at the start and end values, so confirm important figures against your own records before you rely on them.
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