CAGR Calculator — Compound Annual Growth Rate
Calculate the compound annual growth rate of an investment or business metric free. Three modes let you find the CAGR, the ending value, or the years needed — with benchmarks and the Rule of 72.
Last updated: June 2026
Presets (fill CAGR)
Compound Annual Growth Rate
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Common CAGR benchmarks
- Savings account: 3–4%
- PPF: 7.1%
- SSY: 8.2%
- Real estate (India): 8–10%
- S&P 500 (10-yr avg): ~10.7%
- Sensex (10-yr avg): ~12%
- Top mutual funds: 12–18%
Growth table
How a starting amount grows at this CAGR over time.
| Period | Value | Multiple |
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A free CAGR calculator for investors and analysts.
CAGR — compound annual growth rate — is the single most useful number for comparing how investments or business metrics have grown over time. Real returns are lumpy: a fund might gain 30% one year and lose 10% the next. CAGR smooths that into one steady annual rate, the constant percentage that would have taken your starting value to your ending value over the same period. That makes it the standard yardstick for comparing funds, stocks, real estate or revenue across different time horizons.
This calculator offers three modes. Find CAGR takes a beginning value, an ending value and a number of years and returns the growth rate. Find End Value projects what a starting amount becomes at a chosen CAGR over a chosen period. Find Years tells you how long it takes to reach a target at a given rate. The unit toggle switches between rupees, dollars, pounds, euros and plain numbers, so you can use it for money or for metrics like users and revenue.
The Rule of 72 and realistic benchmarks
A handy shortcut sits alongside the result: the Rule of 72 estimates how long money takes to double by dividing 72 by the CAGR — so at 12% it doubles in roughly six years. The benchmark panel puts your figure in context against typical long-run returns, from a 3–4% savings account to 12–18% for strong equity funds, remembering that higher returns come with higher risk and that past performance never guarantees the future. To model regular contributions rather than a single lump sum, use the compound interest calculator or the investment calculator. Everything runs in your browser, privately and free.
Financial Disclaimer: Past investment returns do not guarantee future performance. CAGR projections are estimates based on consistent growth — actual returns will vary. This tool is for educational and planning purposes only. Consult a qualified financial advisor before making investment decisions. Full disclaimer
How it works
Three quick steps — no account, nothing uploaded to a server.
Pick a mode
Find the CAGR, the end value, or the years needed.
Enter your figures
Fill in the values — the missing one is computed instantly.
Read the result
See the rate, the Rule of 72 and a year-by-year growth table.
Investing concepts on this page align with investor education from Investor.gov (US Securities and Exchange Commission). Last checked July 2026.
FAQ
Frequently asked questions
What is CAGR?
CAGR stands for Compound Annual Growth Rate — the constant annual rate at which an investment would have grown if it had compounded steadily over a period. It smooths out the ups and downs of real returns into a single representative percentage, which makes it the standard way to compare investments, funds or business metrics over different time spans. CAGR is calculated as (Ending value ÷ Beginning value) ^ (1 ÷ number of years) − 1.
How do I calculate CAGR?
Divide the ending value by the beginning value, raise the result to the power of one divided by the number of years, then subtract one and multiply by 100 for a percentage. For example, if ₹1,00,000 grows to ₹2,00,000 over 5 years, CAGR = (200000 ÷ 100000) ^ (1 ÷ 5) − 1 = 14.87%. This calculator does it for you in the 'Find CAGR' mode — just enter the beginning value, ending value and number of years.
What is a good CAGR for investments?
It depends on the asset and the risk. As a rough guide, a savings account returns 3–4%, the PPF 7.1%, SSY 8.2%, Indian real estate around 8–10%, the S&P 500 about 10.7% over the long run, the Sensex about 12% over ten years, and strong equity mutual funds 12–18%. A higher CAGR generally comes with higher risk and volatility. Use these only as benchmarks — past performance does not guarantee future returns.
What is the difference between CAGR and absolute return?
Absolute return is the total percentage gain over the whole period regardless of how long it took, while CAGR expresses that growth as a per-year compounded rate. For example, doubling your money is a 100% absolute return whether it takes 2 years or 10 — but the CAGR is 41% over 2 years versus just 7.2% over 10. CAGR is therefore far more useful for comparing investments held for different lengths of time.
Can CAGR be used for revenue or user growth?
Yes. CAGR works for any value that grows over time — company revenue, monthly active users, subscribers or sales. Switch the unit toggle to '%' (or '#') mode to drop the currency symbol and enter plain numbers like revenue figures or user counts. The maths is identical: it tells you the steady annual growth rate that connects your starting and ending figures, which is widely used in business reporting and pitch decks.
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