CAGR Calculator — how fast your money really grew

Enter what you started with, what it is worth now and how many years passed. CAGR is the steady yearly growth that gets you from one to the other.

Started with

Worth now

Over

years

Inflation (per year)

CAGR — GROWTH PER YEAR

14%

Gain₹1,50,000Multiple2.5×

What it is worth now

You started with₹1,00,00040%
Growth₹1,50,00060%

🎈 In today’s money at 6% inflation

Real CAGR (above inflation)7.5% a year

How it is calculated

CAGR (compound annual growth rate) smooths out the good and bad years into one yearly rate, so a 3-year and a 10-year investment can be compared fairly.

It is right for one lump sum. For money added over time — a SIP — use the XIRR calculator instead.

CAGR = (End value ÷ Start value)^(1 ÷ years) − 1

Example. ₹1,00,000 that grew to ₹2,50,000 in 7 years is a CAGR of 14% a year — 2.5 times your money. At 6% inflation, the real growth is about 7.5% a year.

Questions

What is a good CAGR in India?

Beating inflation (about 6%) is the floor. Fixed deposits give roughly 7%, and diversified equity funds have historically given 10–12% over long periods. Compare the real CAGR, not the headline.

What is the difference between CAGR and absolute return?

Absolute return is the total gain: ₹1 lakh to ₹2.5 lakh is 150%. CAGR spreads it over the years: 150% over 7 years is 14% a year.

CAGR or XIRR — which should I use?

CAGR for a single investment made once. XIRR when money went in (or came out) on different dates, like a SIP.

Can Spendly show the CAGR of my investments?

Yes. Spendly tracks every holding and shows its return; for SIPs it uses XIRR from each real instalment.