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CAGR Calculator

CAGR Calculator

What was your investment grow, in one true annual rate?

₹
₹
Years Months Days
%
CAGR
0
annualised growth rate
Real (inflation-adjusted) CAGR
0
annualised growth rate, after inflation
Multiple
0
your money grew this many times
Absolute gain
0
end value minus starting value
Post-tax CAGR (equity)
0
after LTCG on selling at the end
Starting value vs gain

CAGR (Compound Annual Growth Rate) is the single steady annual rate that would take your starting value to your ending value over this period — useful for comparing two investments fairly even if their paths were bumpy along the way. It ignores any money added or withdrawn in between; if you invested in instalments, a SIP-style calculator is a better fit than CAGR.

Tax: the post-tax CAGR card assumes listed equity/equity funds held over a year — 12.5% LTCG on the gain beyond ₹1.25L (per financial year), no indexation. If this were a debt fund or FD, the whole gain is instead taxed at your slab rate, which drags the post-tax CAGR further — at a 30% slab, a headline 8% pre-tax CAGR is really about 5.6% post-tax. Always compare investments on post-tax CAGR, not the brochure number.

What to work out next

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Frequently asked questions

What is CAGR and how is it different from average return?

CAGR (Compound Annual Growth Rate) is the single steady annual rate that would take your starting value to your ending value over the period, accounting for compounding. A simple average of yearly returns can be misleading -- a 50% gain followed by a 50% loss averages to 0%, but you'd actually be down 25%. CAGR reflects what actually happened to your money.Read more: The GMP Lottery: Full IPO Allotment Is the Market’s Politest Warning

Is SIP better than a lump sum investment?

Neither is universally better -- a SIP (spreading investment across regular installments) reduces the risk of investing everything right before a downturn and suits regular income, while a lump sum captures more time in the market if invested when prices are relatively low. For most people investing from salary, SIP is the practical default; a lump sum windfall is often still better invested promptly rather than staggered indefinitely.Read more: The Benchmark Switcheroo: Beating an Index With Its Pockets Sewn Shut

How does compounding actually grow money over time?

Compounding means your returns start earning their own returns, not just your original investment. The effect is small in early years and accelerates sharply later -- which is why starting early matters more than almost any other single investing decision, even more than the exact return rate.Read more: Fund Mergers: How a Bad Mutual Fund Erases Its Own Report Card

What's a realistic long-term return to assume for equity investments?

Long-term equity returns vary a great deal by market and period, and past performance never guarantees future results. Most long-term financial plans use a conservative, inflation-aware assumption rather than recent bull-market numbers -- this calculator lets you test your own assumption and see how sensitive the outcome is to it.Read more: Your Retirement Number Ignores the One Cost Growing Twice as Fast

Estimates only, not financial advice. See our Disclaimer.