CAGR Calculator 2026
Calculate Compound Annual Growth Rate — forward & reverse calculator with benchmark comparison
Calculate CAGR
Enter initial value, final value & time period to get CAGR
CAGR
+20.11%
per annum
Absolute Return
+150%
Total Gain
₹1.50 L
📈 CAGR Growth Trajectory
₹1.00 L growing at 20.11% CAGR over 5 years
⚡ Benchmark Comparison
Your ₹1,00,000 vs market benchmarks after 5 years
Your Investment
₹2.50 L
20.1% CAGR
Nifty 50
₹1.97 L
14.5% CAGR
Sensex
₹1.94 L
14.2% CAGR
Gold
₹1.76 L
12.0% CAGR
Bank FD
₹1.39 L
6.8% CAGR
Savings A/c
₹1.19 L
3.5% CAGR
💡 Rule of 72
At 20.11% CAGR, your money doubles every 3.6 years.
Rule of 72: Doubling time ≈ 72 ÷ CAGR%
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CAGR Calculator — Complete Guide
CAGR (Compound Annual Growth Rate) is the most accurate way to measure investment performance over multiple years. It smooths out year-to-year volatility into a single annualised figure.
CAGR Formula
CAGR = (Final Value / Initial Value)^(1/N) − 1 where N = number of years. Example: ₹1,00,000 → ₹3,50,000 in 10 years → CAGR = (3.5)^(0.1) − 1 = 13.3%
Benchmark CAGRs (Historical)
- Nifty 50: ~14.5% over 20 years
- Gold: ~12% over 10 years
- Bank FD: ~6.8%
- Savings Account: ~3.5%
Frequently Asked Questions
What is CAGR?
CAGR (Compound Annual Growth Rate) is the smoothed annual growth rate of an investment over multiple years. It tells you the effective yearly return as if it grew at a steady pace, ignoring year-to-year volatility.
CAGR vs Absolute Return — what's the difference?
Absolute return = total % gain (e.g., 150%). CAGR = equivalent annual rate (e.g., 20.1% CAGR over 5 years). CAGR is better for comparing investments of different durations.
What is a good CAGR?
Nifty 50 has delivered ~14-15% CAGR over 10+ years. Good equity MFs: 15-20%. FD: 6-7%. Savings account: 3-4%. For beating inflation (~6%), you need CAGR > 6%.
Can CAGR be negative?
Yes! If your investment lost value. E.g., ₹1L → ₹80K in 3 years = -7.1% CAGR. Negative CAGR means your investment is losing purchasing power.
How is CAGR calculated?
CAGR = (Final Value / Initial Value)^(1/Years) - 1. Example: ₹1L grows to ₹2.5L in 5 years → CAGR = (2.5/1)^(1/5) - 1 = 20.1% p.a.