CAGR Calculator
Compound Annual Growth Rate — measure the true annual growth of any investment. Works three ways: find CAGR, find future value, or find required investment.
Calculator Mode
Find CAGR
₹
Your original investment amount₹
What your investment is worth now / at maturityyears
How many years you held the investmentCAGR Formula
CAGR = (FV / PV)1/n − 1
FV = Final ValuePV = Present Valuen = Years
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Enter investment details to calculate CAGR
About CAGR Calculator
CAGR (Compound Annual Growth Rate) is the rate at which an investment would have grown if it grew at a steady annual rate. It is the most accurate way to compare investment performance over time, eliminating the noise of year-to-year volatility.
CAGR Formula
CAGR = (FV / PV)^(1/n) − 1
- FV — Final Value of the investment
- PV — Present / Initial Value of the investment
- n — Number of years
Three Modes of the Calculator
- Find CAGR: You know what you invested and what it's worth now — find the annual growth rate.
- Find Future Value: You know how much you're investing and the expected CAGR — find the maturity amount.
- Find Present Value: You have a future goal — find how much you need to invest today at a given CAGR.
CAGR vs Absolute Return vs XIRR
- Absolute Return: Simple percentage gain irrespective of time. Not comparable across different periods.
- CAGR: Annualised return — makes any two investments comparable regardless of duration. Best for lumpsum investments.
- XIRR: Extended IRR — used for SIPs and irregular cash flows. More accurate than CAGR for periodic investments.
Typical CAGRs in India (Historical, Not Guaranteed)
- Savings Account: 3–4% p.a.
- Fixed Deposit (5yr): 6.5–7.5% p.a.
- PPF: 7.1% p.a. (current rate)
- Debt Mutual Funds: 6–9% p.a.
- Nifty 50 (10-yr rolling): ~12% p.a.
- Mid/Small Cap Equity: 13–18% p.a. (with high risk)