CAGR Calculator
Calculate the compound annual growth rate between any starting and ending value. Free CAGR calculator with absolute return and total gain breakdown.
ఇక్కడ ప్రారంభించండి
- ఏమి నమోదు చేయాలి
- ప్రారంభ విలువ, చివరి విలువ, సంవత్సరాలు ఇవ్వండి; మధ్యలో డబ్బు జమ లేదా ఉపసంహరణ ఉండకూడదు.
- ఫలితం అర్థం
- CAGR రెండు విలువలను కలిపే సమాన వార్షిక వృద్ధి; ప్రతి ఏడాది నిజమైన రాబడి కాదు.
ఉదాహరణ, పరిమితులు చూడండి
- సులభ ఉదాహరణ
- ₹1 లక్ష 2 సంవత్సరాల్లో ₹1.21 లక్షలైతే CAGR 10%.
- గుర్తుంచుకోండి
- మధ్యలో జమలు లేదా ఉపసంహరణలకు XIRR వాడండి. గత రాబడి భవిష్యత్ హామీ కాదు; పన్ను, ఫీజులు స్వయంగా తగ్గవు.
మీ ఫలితాన్ని లెక్కించండి
మీ సంఖ్యలు నమోదు చేయండి. మార్చినప్పుడు అంచనా, చార్ట్‌లు నవీకరించబడతాయి.
ఇన్‌పుట్‌లు
- CAGR
- 20.11%
- సంపూర్ణ రాబడి
- 150.00%
- మొత్తం లాభం
- ₹1,50,000
మీ లెక్కలు ఏమి చెబుతున్నాయి
Your 150.0% total gain works out to 20.11% a year over 5 years.
CAGR spreads the total return evenly across the years, so you can compare it fairly with FD rates or fund returns.
At 20.1% a year, money doubles in about 3.8 years.
Quick check with the rule of 72: 72 ÷ 20.1 ≈ 3.6 years.
That beats 6% inflation by about 13.3% a year.
Assuming 6% yearly inflation, this is roughly how fast your real purchasing power grew.
cagr.resultHelper
మీ లెక్కను అర్థం చేసుకోండి
CAGR is the annualised growth rate between one starting investment and one ending value with no intervening cashflows. It allows comparisons across holding periods, including fractional years. SIPs, top-ups and withdrawals require XIRR instead. This calculator also shows the absolute return and total rupee gain.
CAGR Calculator ఎందుకు ఉపయోగించాలి
An investment doubling in three years has roughly 26% CAGR; doubling in twelve years gives roughly 6%. The holding period changes the comparison. Annualising makes return claims comparable, but doesn't show risk or prove an investment beat its benchmark.
ఒక్క చూపులో ప్రయోజనాలు
Compare investments fairly
Compare investments over different durations using annualised growth, provided there are no intervening contributions or withdrawals. If there are multiple dated cashflows, use XIRR instead of treating total contributions as a starting investment.
Audit fund and stock claims
Mutual fund factsheets and stock newsletters often quote impressive sounding absolute returns over multi year periods. Drop the start and end values into the calculator and see what the actual annualised number is.
Plan against benchmarks
If a Nifty 50 index fund has compounded at roughly 12 percent over the last 20 years, your active fund needs to clear that bar. The CAGR calculator makes it easy to verify in seconds.
Both CAGR and absolute return
The result shows the compound annual growth rate, the simple absolute return percentage and the total rupee gain. All three are useful in different contexts.
CAGR Calculator ను ఎలా ఉపయోగించాలి
- 1
Enter the initial value
The amount you started with. For a stock or a mutual fund, this is the cost basis at the time of purchase.
- 2
Enter the final value
What the investment is worth today, or at the date you are measuring against.
- 3
Enter the duration in years
Use fractional years if needed, for example 4.5 for four and a half years. The calculator accepts decimal values.
- 4
Read the CAGR
The CAGR is the annualised return that, compounded each year, would have grown the initial value to the final value. The absolute return is shown alongside for context.
ఉదాహరణ
₹2 lakh that became ₹3.5 lakh in 5 years
You invested ₹2,00,000 and the holding is worth ₹3,50,000 five years later, with nothing added or withdrawn. The ratio is 3,50,000 ÷ 2,00,000 = 1.75. Raise that to the power 1/5 and you get about 1.1184, so CAGR = 11.84%. Absolute return is (3,50,000 − 2,00,000) ÷ 2,00,000 = 75%.
- Initial value
- ₹2,00,000
- Final value
- ₹3,50,000
- Duration
- 5 years
- Total gain
- ₹1,50,000
- Absolute return
- 75%
- CAGR
- 11.84% a year
A 75% gain sounds large, but spread over five years it's a little under 12% a year. That's the number to put next to an FD rate or an index fund's published return.
ఇది ఎలా లెక్కించబడుతుంది
The calculator uses CAGR = (final value ÷ initial value)^(1 ÷ years) − 1, shown as a percentage. Absolute return is (final − initial) ÷ initial, and gain is final − initial in rupees.
Years can be fractional, so 4.5 years uses an exponent of 1 ÷ 4.5. The initial value and the duration must be above zero, and the final value can't be negative. A final value of zero gives −100%. When the inputs can't be annualised, the result shows a dash rather than zero.
CAGR assumes one investment at the start and one value at the end. It doesn't account for money added or taken out in between, which is what XIRR is for.
తరచుగా అడిగే ప్రశ్నలు
What is the CAGR formula?
CAGR = (Final Value / Initial Value)^(1 / years) - 1. Multiply by 100 for percent. ₹100 growing to ₹250 in 5 years gives about 20.11 percent CAGR. Initial value and duration must be positive; an ending value of zero gives -100 percent. Undefined annualisation is displayed as a dash, not zero.
What is the difference between CAGR and absolute return?
Absolute return is the simple percentage change from start to finish, ignoring time. CAGR normalises the same change to an annualised rate. A 50 percent absolute return is impressive in 1 year and unimpressive in 10 years. CAGR exposes that distinction.
Is CAGR the same as IRR?
No. CAGR works only for a single starting investment and a single ending value. IRR (Internal Rate of Return) handles multiple cash flows in and out at different times, which is the right metric for SIPs and any investment with periodic contributions or withdrawals. For SIP returns, use the XIRR function in a spreadsheet, not CAGR.
What is a good CAGR for an Indian equity portfolio?
There isn't a single number. Compare your CAGR with the published return of a relevant index or index fund over the same dates, and with what a fixed deposit would have paid. If a diversified portfolio trails its benchmark over a long period, check whether costs or fund selection explain the gap. A very high CAGR over a long horizon usually comes from concentrated bets that may not repeat.
Can CAGR be negative?
Yes. If the final value is below the initial value, CAGR is negative. The calculator handles this case correctly. A negative CAGR means the investment has lost money in annualised terms.
Why does CAGR understate volatility?
Because it shows only the start and end values. An investment that went up 80 percent in year one and down 40 percent in year two ends with a 8 percent gain over two years, or roughly 3.9 percent CAGR. The CAGR makes it look stable when the path was wildly volatile. For volatility, look at standard deviation or the maximum drawdown of the investment.
How do I calculate CAGR for a mutual fund SIP?
You cannot use simple CAGR for an SIP because there are multiple investment dates. Use XIRR. Most fund houses publish XIRR for an SIP on their statements. In a spreadsheet, list the date and amount of every SIP installment as a negative number, the redemption date and amount as a positive number, and apply the XIRR function.