Calculator
CAGR calculator
Your investment doubled in 5 years — but what did it earn per year? One number answers.
20.11%
compounded annual growth rate
- Absolute return150%
- Money multiplied2.5×
Hover the curve for values along the path.
CAGR smooths volatility into a single yearly rate — two investments with the same CAGR can have very different rides.
What this calculator answers
₹1,00,000 growing to ₹2,50,000 over 5 years is a CAGR of 20.11%, an absolute return of 150% and a 2.5× multiple. Enter the starting value, ending value and years held to get the annualised rate of return.
How it is calculated
CAGR = (ending value ÷ starting value)^(1 ÷ years) − 1, reported to two decimals; the absolute return and the multiple are shown alongside it.
CAGR is a smoothed rate that reproduces the same end value — it is not any single year's actual return.
Common questions
Why is CAGR lower than the absolute return?
Absolute return ignores time; CAGR spreads the same gain across every year. A 150% total gain over five years works out to about 20% a year.
Does CAGR show my actual yearly returns?
No. It is the single steady rate that reproduces the end value, so a fund that fell in one year and rose sharply in another can show the same CAGR as a steadier one.
Can I use CAGR for a SIP?
CAGR suits a one-time investment with a start and end value. For monthly investments use the SIP calculator, because each instalment enters at a different time and price.
Can I use this for a lumpsum investment return in India?
Yes — that is exactly what it is for. Enter the lumpsum start value, the current or maturity end value and the years held to get the annualised return, the absolute return and the multiple, whether it is a stock, fund or deposit.
Source & freshness
- Source
- Deterministic formula in lib/calculators.ts
- Timeliness
- Static-verified
- Method
- calculated
- Note
- Illustrative projection from your inputs — not a market quote.