Planning Calculator
CAGR Calculator
Compound Annual Growth Rate, the rate at which your investment grew smoothly each year to get from start to end.
What is CAGR?
CAGR is a theoretical growth rate that would get you from start value to end value over a period, assuming smooth annual compounding.
Formula
CAGR = (End / Start)1/years − 1
Worked example
₹
₹1,00,000 → ₹2,50,000 in 5 years: CAGR = (2.5)1/5 − 1 = 20.11% p.a.
Frequently asked questions
CAGR vs XIRR?
CAGR assumes one investment and one withdrawal. XIRR handles multiple investments at different dates.
Is a high CAGR always good?
Over short periods (< 3 years) high CAGR can be misleading, low base effect. Always look at 5/10-year CAGR.
What's a 'good' CAGR?
Equity over 10+ years: 12%+ is good, 15%+ excellent. Debt/FD: 6–8%. Real estate: historically ~8–10% in India.