Finance · Free tool
CAGR Calculator
CAGR smooths out the year-on-year noise and tells you the constant annual rate at which your money grew. Best for one-time investments held for multiple years.
₹1,00,000
₹2,50,000
5.0 yrs
CAGR
20.11%
150.0% absolute return over 5 yrs
Total gain
₹1,50,000
Doubling time
3.8 yrs
When to use CAGR vs XIRR
- CAGR: single lumpsum, held for N years. ELSS bought at start and sold at end.
- XIRR: multiple investments at different dates (SIPs, top-ups, partial redemptions).
The formula: CAGR = (End / Start)^(1/years) − 1. The output ignores volatility — a 15% CAGR over 5 years could mean five 15% years, or +50% then -10% then +30%, etc.