How it works
CAGR expresses the constant annual rate that would connect the initial and final values. It smooths the path between those points; actual returns in each year can differ substantially.
Inputs and units
| Input | Example value | What to enter |
|---|---|---|
| Initial value | ₹1,00,000.00 | Required unit: ₹. Must be greater than zero. |
| Final value | ₹1,80,000.00 | Required unit: ₹. Must be greater than zero. |
| Time invested | 5 years | Required unit: years. Must be greater than zero. Allowed range: 0.01–100. |
Worked example
Show example inputs and results
This example is generated by the same calculation engine using the starting values in the form. Your own inputs produce your own result.
- Initial value
- ₹1,00,000.00
- Final value
- ₹1,80,000.00
- Time invested
- 5 years
Complete example results
- Compound annual growth rate
- 12.47 %
- Total growth
- 80 %
- Change in value
- ₹80,000.00
Reading the result
Match the rate period to the payment period. Fees and taxes absent from the inputs are not added automatically; compare totals with the same cost coverage.
The same total gain can have a different annual rate
Growing ₹1,00,000 to ₹2,00,000 is a 100% total gain in every row below. CAGR is higher over a shorter period because it expresses the steady annual rate that would connect the two values.
When CAGR is not the right measure
This two-value model assumes no deposits or withdrawals during the period. If you added money through a SIP, the final balance alone does not reveal investment performance; the timing of each cash flow matters.
Compare different scenarios
Inputs held constant: Initial value: 1,00,000 ₹ · Final value: 2,00,000 ₹.
| Time invested | Compound annual growth rate |
|---|---|
| 3 years | 25.99 % |
| 5 years | 14.87 % |
| 10 years | 7.18 % |
Questions and answers
Can I use the example values for my own calculation?
The example values illustrate the calculation. Replace every input with your own information, especially dates, rates and the selected operation.
Can I use CAGR for regular SIP deposits?
Not directly. Contributions and withdrawals at different dates require a cash-flow-aware measure such as XIRR. This calculator assumes only an initial investment and a final value.
Why are some results rounded?
Results display up to 8 decimal places. Calculations use the unrounded values; very small values use scientific notation. JavaScript floating-point arithmetic can introduce tiny rounding differences.
Are my inputs sent to a server?
The calculator processes inputs in your browser. Its code does not send your values to a server.
Method sources: investor.sebi.gov.in
Data version: 2026-10-08 · Methods & accuracy