Last updated: October 2026

🎯 CAGR Calculator

Our CAGR calculator tells you the true annualised growth rate of any investment — the single number that lets you fairly compare stocks, mutual funds and FDs.

CAGR Calculator

Investment ki asli yearly growth rate nikalo.

Initial value

₹10K₹1 Cr

Final value

₹10K₹2 Cr

Time period

1 yr30 yrs

CAGR0%

Total growth0x

Absolute gain₹0

Formula: CAGR = (Final ÷ Initial)^(1÷years) − 1. Mutual fund aur stock returns compare karne ka standard metric.

⚠️ Ye sirf estimate hai, financial advice nahi hai. Disclaimer padhein.

CAGR kyun important hai?

Simple "paisa double" dekhne se sahi picture nahi milti — 5 saal me double hona 14.9% CAGR hai, 10 saal me double hona sirf 7.2%. CAGR se alag-alag investments ki fair comparison hoti hai.

How to Use

Enter the starting value of your investment.
Enter the ending value.
Set the number of years.
See the CAGR % plus absolute returns.

Formula

CAGR = (Ending ÷ Beginning)^1/n − 1

Where n = number of years. It smooths volatile yearly returns into one steady annual rate.

💡 Example

Example: ₹1 lakh → ₹2.59 lakh in 10 years → CAGR = 10%. The same 10% CAGR on ₹10 lakh = ₹25.94 lakh.

CAGR ke niyam: ye number kab sahi, kab gumrah karta hai

CAGR ka pehla niyam hai — ye keval ek shuruaat aur ek ant wale nivesh ke liye bana hai: ek rakam lagi, beech me kuch na jama hua na nikla, aur ant me ek rakam mili. Beech me baar-baar paisa dalne wale nivesh — jaise SIP — ke liye CAGR sahi auzaar nahi; waha XIRR istemal hota hai, jo har jama ki tareekh ko gin-ta hai. Dusra niyam: CAGR beech ke utaar-chadh ko saaf karke ek seedhi dar dikhata hai. Do nivesh ka CAGR barabar ho sakta hai, lekin ek ne beech me 30% ki giravat di ho aur dusre ne shaant badhotari — jokhim ka ye fark CAGR kabhi nahi batata.

Teesra niyam samay ka hai. Ek saal ke tez uchhal ko CAGR me badal kar dikhana sabse aam chaal hai: 6 mahine me 20% badhne ka matlab ye nahi ki har saal wahi hoga. Bharose layak tulna ke liye kam se kam 3-5 saal, aur ho sake to 7-10 saal ki avadhi dekhein. Aur haan, nakaratmak (negative) shuruaat ya beech ke nakaratmak varsho par CAGR ka formula seedha kaam nahi karta — waha keval kul labh-haani dekhna hi sahi hai.

Ek vyavharik baat: koi bhi fund ya share apna purana CAGR dikhaye, to ye zaroor poochein ki avadhi kaun si hai. "5 saal ka CAGR" aur "shuruaat se CAGR" me zameen-aasmaan ka fark ho sakta hai, kyunki shuruaat wala saal chunna sabse aasan hera-pheri hai.

🧮 Ek aur hisab: ₹2.4 lakh se ₹5.1 lakh, 7 saal me

Maan lijiye ek nivesh ₹2,40,000 se badh kar 7 saal me ₹5,10,000 ho gaya. Kul badhotari ₹2,70,000 hai, matlab rakam 2.125 guna hui. CAGR = (5,10,000 ÷ 2,40,000)^(1/7) − 1 = 11.37%. Ab is number ka sahi istemal dekhiye: agar usi avadhi me kisi dusri yojana ne 9% CAGR diya ho, to ye nivesh aage raha — lekin agar isne beech me ek saal −25% ka jhatka diya ho aur dusri ne nahi, to shaant neend kisne di, ye bhi faisle ka hissa hai. CAGR tulna shuru karne ka number hai, faisla khatam karne ka nahi.

FAQs — CAGR Calculator

Compound Annual Growth Rate — the constant yearly rate at which an investment would have grown from start to end value, smoothing out volatility.

Absolute returns ignore time (100% in 2 years vs 10 years are very different). CAGR includes time — always compare using CAGR.

CAGR suits single lump-sum investments. XIRR handles multiple cash flows (like SIPs) — use XIRR for SIP returns.

Equity: 12%+ is strong long-term; 10–12% decent. FDs: ~7%. Beat inflation (~6%) at minimum to grow real wealth.

Average return saal-dar-saal ke pratishat jod kar unka ausat nikalta hai, jo hamesha asal badhotari se zyada dikh sakta hai. CAGR geometry ke hisab se — chakravriddhi ko gin kar — wo dar deta hai jispar rakam asal me shuruaat se ant tak badhi. Asli paisa hamesha CAGR wale number se banta hai.

Kyoki SIP me har kist alag tareekh par lagti hai — pehli kist ko pure saal milte hain, aakhri ko keval ek mahina. CAGR beech ki in kisto ko gin hi nahi sakta. Isiliye SIP aur baar-baar ke nivesh ke liye XIRR sahi hai, jo har jama-nikaasi ki tareekh par byaaj jodta hai.

Haan. Antim rakam shuruaat se kam ho to CAGR negative ayega — jaise ₹1 lakh ka 5 saal me ₹80,000 hona lagbhag −4.36% CAGR hai. Ye number ghate ki gehrai aur samay dono ko ek saath dikhata hai, isiliye sirf kul ghata dekhne se zyada kaam ka hai.

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