Returns
CAGR Calculator
The steady yearly growth rate that turns one value into another.
Compound annual growth rate
12.25%
A smoothed yearly rate — the real path may have been uneven.
- Absolute return
- 100.00%
- Total, not annualised
- Growth multiple
- 2.00×
- Gain
- ₹1,00,000
In plain words
Going from ₹1,00,000 to ₹2,00,000 in 6 years is the same as growing 12.25% every year, compounded — even if the actual path was bumpier.
The smoothed path
- Rule of 72 check
- 5.9 years
- Roughly how long money takes to double at this rate
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01Method
How this is calculated
The same formulas run on the server and in your browser, documented in plain language. Every assumption is shown beside the result and you can change it.
- Default assumptions reviewed
- 4 Oct 2026
- Formula version
- 1.0.0
CAGR is the constant rate that, compounded every year, takes the starting value to the ending value over the period. Part-years are allowed.
CAGR = (end ÷ start)^(1/years) − 1
The total change as a percentage of the starting value, not annualised.
absolute = (end − start) ÷ start
CAGR assumes one amount in and one amount out. With several investments or withdrawals on different dates, XIRR is the right measure.
Default assumptions are hypothetical round numbers chosen for illustration. They are not forecasts and not a view on any product. Change them to see how sensitive the result is.
02Questions
Good to know
More about how our tools work: all tool questions.
03Keep exploring
Understand first. Invest second.
Terms to know
- CAGRThe steady yearly growth rate that would take an investment from its starting value to its ending value over a given period.
- XIRRAn annualised return for investments with several cash flows on irregular dates, such as SIPs, top-ups and partial withdrawals.
- BenchmarkThe index a fund’s performance is measured against, chosen to represent the market or segment the fund invests in.
- CompoundingEarning returns on past returns as well as on the original amount, so growth accelerates the longer money stays invested.
- AlphaThe return a fund earned above or below what its benchmark or level of market risk would explain — a rough gauge of a manager’s value-add.
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Next step
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