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Calculate CAGR with 6 modes: Basic, Advanced, Compare, Reverse, Step-up & Benchmark. Get inflation-adjusted returns, year-wise breakdown, and performance ratings for mutual funds, stocks, and investments.
Compound Annual Growth Rate
0.00%
Your investment grew at this rate annually
Total Gain
$0
Total Gain Percentage
0.00%
Real CAGR (Inflation-Adjusted)
0.00%
After 6% inflation
❌ Negative Returns
Your investment has lost value over time
CAGR (Compound Annual Growth Rate) is the rate at which an investment would have grown if it had grown at a steady rate annually. It's one of the most accurate ways to calculate and determine returns for individual assets, investment portfolios, and anything that can rise or fall in value over time.
Unlike simple average returns, CAGR accounts for the compounding effect and smooths out volatility, giving you a clear picture of your investment's actual performance. It's widely used by investors, financial analysts, and fund managers to compare different investments and track portfolio performance.
Where:
Simple CAGR calculation with initial value, final value, and time period. Perfect for quick calculations.
Include dividends, additional investments, and inflation for accurate real CAGR calculation.
Compare CAGR of multiple investments side-by-side to make informed decisions.
Calculate required final value to achieve your target CAGR percentage.
Calculate CAGR with varying growth rates that increase over time.
Compare your investment CAGR with market benchmarks like Nifty 50, S&P 500, Gold.
Choose from Basic, Advanced, Compare, Reverse, Step-up, or Benchmark mode based on your calculation needs.
Input your initial investment value, final value (current value), and the investment period in years.
Include dividends received, additional investments made, and inflation rate for more accurate calculations.
Get instant CAGR calculation with total gain, real CAGR, year-wise breakdown, and performance rating.
Initial Investment: ₹1,00,000
Final Value (after 5 years): ₹1,76,234
Time Period: 5 years
CAGR = [(1,76,234 / 1,00,000)^(1/5) - 1] × 100
CAGR = 12%
Your mutual fund investment grew at 12% annually over 5 years.
Initial Investment: ₹50,000
Final Value (after 10 years): ₹1,29,687
Time Period: 10 years
CAGR = [(1,29,687 / 50,000)^(1/10) - 1] × 100
CAGR = 10%
Your stock investment delivered 10% CAGR over a decade.
Purchase Price: ₹50,00,000
Current Value (after 7 years): ₹75,00,000
Time Period: 7 years
CAGR = [(75,00,000 / 50,00,000)^(1/7) - 1] × 100
CAGR = 5.93%
Your property appreciated at 5.93% annually over 7 years.
Absolute Return: Total % gain/loss over entire period
CAGR: Annualized rate of return
Example:
₹1L → ₹2L in 5 years
Absolute Return: 100%
CAGR: 14.87%
Average Return: Arithmetic mean of yearly returns
CAGR: Geometric mean with compounding
Example:
Year 1: +20%, Year 2: -10%
Average: 5%
CAGR: 4.4%
CAGR: For lumpsum investments
XIRR: For multiple cash flows (SIP)
Use CAGR when:
• Single investment
• No additional investments
• Simple growth tracking
Nominal CAGR: Without inflation adjustment
Real CAGR: Inflation-adjusted returns
Example:
Nominal CAGR: 12%
Inflation: 6%
Real CAGR: 5.66%
12.5% p.a.
10-year CAGR (2014-2024)
10.5% p.a.
10-year CAGR (2014-2024)
8.5% p.a.
10-year CAGR (2014-2024)
9% p.a.
10-year CAGR (Average)
6.5% p.a.
Current average rate
7.1% p.a.
Current rate (Q4 2024)
Most calculators offer only basic CAGR. We provide 6 modes: Basic, Advanced, Compare, Reverse, Step-up & Benchmark for comprehensive analysis.
Competitors ignore inflation. We calculate both nominal and real (inflation-adjusted) CAGR for accurate purchasing power analysis.
Compare your investment CAGR with Nifty 50, S&P 500, Gold, Real Estate, and FD benchmarks - feature missing in most calculators.
See exactly how your investment grew each year with detailed breakdown table and visual progress bars.
Unique feature: Calculate required final value to achieve your target CAGR - not available in competitor calculators.
Get instant performance ratings (Excellent/Good/Average/Below Average) based on your CAGR - exclusive feature.
Official source for Nifty 50 historical data, index performance, and CAGR calculations.
Visit NSE India →Regulatory body for securities market. Access investor education and return calculation guidelines.
Visit SEBI →Comprehensive guide on CAGR calculation, interpretation, and investment analysis.
Visit Investopedia →Real-time market data, mutual fund NAV, and historical performance for CAGR analysis.
Visit Moneycontrol →Educational Purpose Only: This CAGR calculator is provided for educational and informational purposes only. It is designed to help you understand investment returns and make informed financial decisions.
Not Financial Advice: The calculations, examples, and information provided on this page do not constitute financial, investment, tax, or legal advice. Always consult with a qualified financial advisor or professional before making investment decisions.
Past Performance: Historical CAGR data and benchmark returns mentioned are based on past performance and do not guarantee future results. Investment returns can vary significantly based on market conditions, timing, and individual circumstances.
Accuracy: While we strive to provide accurate calculations using standard financial formulas, we do not guarantee the accuracy, completeness, or reliability of the results. Users should verify calculations independently for critical financial decisions.
Market Risks: All investments carry risk, including the potential loss of principal. CAGR calculations do not account for market volatility, liquidity risks, or other factors that may affect actual investment performance.