CAGR Calculator
Calculate your Compound Annual Growth Rate — find CAGR, Final Value, or Investment Duration instantly.
| Year | Opening Value | Growth | Closing Value | Total Gains |
|---|
What is CAGR?
CAGR — Compound Annual Growth Rate — measures the average annual growth of an investment over a specific period, assuming that profits are reinvested and compounded each year. It is the single most used metric to evaluate long-term investment performance across mutual funds, stocks, real estate, and fixed deposits.
Unlike simple average returns, CAGR accounts for the time value of money and the compounding effect, giving you a true picture of how an investment has grown year over year.
CAGR Formula
The CAGR formula is straightforward:
FV = Future Value of the investment
PV = Present Value (Initial Investment)
n = Duration in years
Example: You invested ₹5.20 lakhs and it grew to ₹9.85 lakhs in 5 years.
CAGR vs Absolute Returns
Absolute returns work well for periods of 1 year or less. For longer horizons — 3, 5, or 10 years — CAGR is the superior metric because it factors in compounding. Arithmetic average returns tend to overstate performance over longer periods.
Example: ₹1,000 grows to ₹1,331 over 3 years. Arithmetic average suggests 11.03% p.a. but CAGR correctly gives 10%, verified by ₹1,000 → ₹1,100 → ₹1,210 → ₹1,331.
CAGR Calculator Examples
| Case 1 | Case 2 | Case 3 | Case 4 | |
|---|---|---|---|---|
| Initial Investment | ₹5,00,000 | ₹5,00,000 | ₹20,00,000 | ₹20,00,000 |
| Final Value | ₹10,00,000 | ₹14,00,000 | ₹43,00,000 | ₹43,00,000 |
| Duration (years) | 5 | 5 | 7 | 6 |
| CAGR | 14.87% | 22.87% | 11.56% | 13.61% |
How Can a CAGR Calculator Help You?
- Assess investment returns across multiple scenarios by changing initial corpus, final corpus, or time period.
- Compare different asset classes — mutual funds, FDs, gold, real estate — on an equal footing using annualised CAGR.
- Identify outperformers and underperformers within your portfolio against the benchmark CAGR.
- Plan future wealth creation goals by working backwards — enter your target final value and see the required CAGR.
Advantages of Using the MoneyOra CAGR Calculator
- Three-in-one solver: Find CAGR, final value, or investment duration — just flip the mode toggle above.
- Visual growth chart: See how your investment compounds year by year with the interactive bar chart.
- Benchmark comparison: Instantly compare your returns against Nifty 50, Sensex, FD, PPF, and gold.
- Mobile-first design: Use it seamlessly on any device — no app download or sign-up required.
Disclaimer: This tool is for informational purposes only and does not guarantee any returns. Mutual Fund investments are subject to market risk. Please read all scheme-related documents carefully before investing.
CAGR Calculator – Free Online CAGR Calculator for Mutual Fund, SIP & Stocks (2025)
CAGR Calculator — the most powerful free tool to calculate your investment’s Compounded Annual Growth Rate in seconds. Whether you want a lumpsum CAGR calculator, a reverse CAGR calculator, or a mutual fund CAGR calculator, this complete guide covers everything you need to know — including the CAGR formula, Excel usage, and real examples for stocks, SIP, FD, and more.
Table of Contents
What is CAGR? (Compounded Annual Growth Rate)
CAGR stands for Compounded Annual Growth Rate. It is the single most reliable metric to measure how much an investment has grown per year over a specific time period, assuming profits are reinvested. Unlike simple average returns, the CAGR return calculator accounts for the effect of compounding, making it a far more accurate picture of real investment performance.
Investors, financial analysts, and business owners widely use the CAGR calculator online to:
- Compare performance of different mutual funds, SIPs, stocks, and FDs
- Evaluate business revenue growth over multiple years
- Benchmark against market indices like Nifty 50 or Sensex
- Plan future corpus using a lumpsum CAGR calculator
- Analyse Bitcoin CAGR and cryptocurrency growth
CAGR Formula – How to Calculate CAGR
The standard CAGR formula is:
CAGR = (FV / PV) ^ (1 / N) – 1
Where:
FV = Future Value (final amount)
PV = Present Value (initial investment)
N = Number of years
CAGR Calculation Example
Suppose you invest ₹1,00,000 (PV) in a mutual fund. After 5 years, the value grows to ₹2,50,000 (FV).
Using the CAGR formula calculator:
CAGR = (2.5) ^ (0.2) – 1
CAGR = 1.2011 – 1
CAGR = 0.2011 or 20.11% per year
This means your investment grew at an equivalent rate of 20.11% per year, even if actual returns varied each year. Our free CAGR percentage calculator does this in one click.
How to Use the CAGR Calculator Online
Using a CAGR calculator online is simple. Follow these steps:
- Enter Initial Investment (PV): The amount you invested at the start (e.g., ₹50,000)
- Enter Final Value (FV): The current or expected value of your investment
- Enter Time Period (N): Number of years or months of the investment
- Click Calculate: The CAGR growth calculator instantly displays your annualised return
You can also use our FD Calculator to see fixed deposit returns, or the EMI Calculator for loan repayment planning alongside CAGR analysis.
Types of CAGR Calculators
| Type | Best For | Input Needed |
|---|---|---|
| Online CAGR Calculator | Quick annual return calculation | PV, FV, Years |
| Reverse CAGR Calculator | Finding future value from known CAGR | PV, CAGR %, Years |
| Lumpsum CAGR Calculator | One-time investment analysis | Initial amount, FV, Years |
| SIP CAGR Calculator | Monthly SIP performance | Monthly SIP, Duration, Returns |
| Mutual Fund CAGR Calculator | Comparing fund performance | NAV values, Duration |
| Stock CAGR Calculator | Equity return analysis | Buy price, Current price, Years |
| FD CAGR Calculator | Fixed deposit growth analysis | Principal, Maturity value, Term |
| Monthly CAGR Calculator | Converting annual CAGR to monthly | Annual CAGR % |
| Bitcoin CAGR Calculator | Crypto investment growth | Buy price, Current price, Years |
| CAGR to XIRR Calculator | Comparing lumpsum vs SIP returns | CAGR % or XIRR % |
CAGR Calculator in Excel – Formula & Steps
A CAGR calculator Excel formula is one of the most commonly searched queries. Here’s how to calculate CAGR in Microsoft Excel or Google Sheets:
Excel CAGR Formula:
=(B2/B1)^(1/B3)-1
Where:
B1 = Initial Value (PV)
B2 = Final Value (FV)
B3 = Number of Years (N)
Steps to create a CAGR calculator download in Excel:
- Open Excel and create columns: Initial Value, Final Value, Years, CAGR
- In the CAGR cell, enter the formula:
=(FV/PV)^(1/N)-1 - Format the result cell as Percentage to see CAGR %
- To build a reverse CAGR: use formula
=PV*(1+CAGR%)^N
You can also download our CAGR calculator Excel template for free from our tools page. It includes tabs for lumpsum, SIP CAGR, FD CAGR, and stock CAGR calculations.
CAGR Calculator for Mutual Funds & SIP
The mutual fund CAGR calculator is among the most used financial tools in India. It helps investors:
- Compare which mutual fund scheme gave higher annualised returns
- Evaluate whether a fund outperformed its benchmark index
- Decide between two funds with different NAV growth histories
SIP CAGR Calculator
For SIP CAGR calculator use cases, note that CAGR is technically for lumpsum investments. For SIPs with monthly cash flows, XIRR is more accurate. However, you can still use a cagr calculator for sip as an approximate indicator of returns when comparing two similar SIP investments over the same period.
To calculate SIP returns more accurately, consider using our NPS Calculator or the PPF Calculator available on Moneyora.
CAGR Calculator for Stocks
The stock CAGR calculator (also called cagr stock calculator) is essential for equity investors. It answers one key question: “At what annual rate has this stock grown since I bought it?”
How to Use CAGR Calculator for Stocks
| Input | Example |
|---|---|
| Buy Price (PV) | ₹500 |
| Current Price (FV) | ₹1,800 |
| Years Held (N) | 6 years |
| CAGR Result | 23.8% per year |
The CAGR calculator for stocks is useful for Nifty 50 stocks, midcap stocks, and even sector-specific indices. You can also use the ICICI CAGR calculator or Groww CAGR calculator on their respective platforms — but our tool gives the same accuracy for free, without requiring login.
Reverse CAGR Calculator – Find Future Value from CAGR
A reverse CAGR calculator (also called CAGR reverse calculator or CAGR final value calculator) works in the opposite direction. Instead of finding the growth rate, it finds the final value when you know the CAGR.
FV = PV × (1 + CAGR%) ^ N
Example:
PV = ₹1,00,000 | CAGR = 12% | N = 10 years
FV = 1,00,000 × (1.12)^10 = ₹3,10,585
The reverse CAGR calculator is particularly useful for:
- Goal-based financial planning (e.g., “how much will ₹5 lakh become at 15% CAGR in 8 years?”)
- Projecting business revenue targets
- Planning retirement corpus with a known expected CAGR rate
FD CAGR Calculator – Fixed Deposit Growth Analysis
The FD CAGR calculator helps you understand the actual annualised return on your Fixed Deposit, especially when interest is compounded quarterly or annually.
For a CAGR calculator SBI-style analysis, simply enter:
- Principal amount (PV)
- Maturity amount (FV)
- FD tenure in years (N)
The result will be your FD’s CAGR, which you can compare with equity mutual fund returns to decide the best investment option. Use our FD Calculator alongside the CAGR calculator for a complete picture of your fixed income returns.
Monthly CAGR Calculator
The monthly CAGR calculator (also called CAGR calculator monthly) converts an annual CAGR to an equivalent monthly growth rate.
Example: Annual CAGR = 12%
Monthly CAGR = (1.12)^(1/12) – 1 = 0.949% per month
Monthly CAGR is useful for:
- Evaluating monthly SIP returns
- Comparing monthly stock performance
- Business monthly revenue tracking
CAGR vs XIRR – Which Should You Use?
Many investors confuse CAGR with XIRR. Here’s a clear comparison:
| Parameter | CAGR | XIRR |
|---|---|---|
| Best For | Lumpsum investments | SIP / irregular cash flows |
| Cash Flows | Single start & end | Multiple, irregular |
| Complexity | Simple formula | Iterative calculation |
| Accuracy for SIP | Approximate | Highly accurate |
| Excel Function | Manual formula | =XIRR() |
Use the CAGR to XIRR calculator to convert between the two when comparing lumpsum and SIP investment options. For mutual fund portfolio analysis, XIRR is recommended, while CAGR is better for benchmarking individual stocks or funds.
For authoritative guidance on investment return metrics, refer to SEBI’s official investor education portal, which explains performance measurement standards for mutual funds in India.
CAGR Calculator Comparison: Groww, ICICI, Omni, Finology
Several platforms offer a CAGR calculator in India. Here’s how they compare:
| Platform | Features | Login Required |
|---|---|---|
| Groww CAGR Calculator | Clean UI, mutual fund integration | No |
| ICICI CAGR Calculator | Bank-integrated, FD-focused | No |
| Omni CAGR Calculator | Advanced, supports unit conversion | No |
| Finology CAGR Calculator | Stock & business focused | No |
| Moneyora CAGR Calculator | Free, fast, all-in-one with FD, EMI, NPS tools | No |
All these tools use the same underlying CAGR formula calculator. The difference lies in UI, additional features, and whether they integrate with your portfolio. The CAGR calculator app versions of Groww and ICICI are available on iOS and Android.
You can also explore our Home Loan EMI Calculator and NPS Calculator for comprehensive financial planning alongside CAGR analysis.
Use Moneyora’s free online CAGR calculator to analyse returns from mutual funds, stocks, SIP, FD, and more. No login. No charges. Instant results.
▶ Open CAGR Calculator
Conclusion – Use the Best CAGR Calculator in India
The CAGR calculator is an indispensable tool for every investor in India. Whether you need a lumpsum CAGR calculator, reverse CAGR calculator, FD CAGR calculator, or a stock CAGR calculator, the underlying formula remains the same — and our free tool handles all of it instantly.
Understanding your CAGR rate helps you make smarter comparisons between mutual funds, stocks, SIPs, and fixed deposits. Pair it with tools like our FD Calculator, EMI Calculator, and NPS Calculator for a 360° view of your financial health.
Start calculating your CAGR today — for free, no login required.
Disclaimer: CAGR figures are indicative and based on historical data. Past returns do not guarantee future results. Please consult a SEBI-registered financial advisor before making investment decisions. For regulatory guidelines, visit SEBI.gov.in.
Frequently Asked Questions (FAQs) about CAGR Calculator
A CAGR calculator is a free online tool.
It calculates the Compounded Annual Growth Rate of an investment.
You can use it for mutual funds, SIP, stocks, FD, or lumpsum.
It works over a defined time period.
The formula used is:
CAGR = (FV / PV)^(1 / N) – 1.
MoneyOra's CAGR calculator applies this automatically.
Enter the initial value (PV).
Enter the final value (FV).
Enter the number of years (N).
The calculator applies the CAGR formula instantly.
It shows the annual growth rate as a percentage.
Use the online CAGR calculator for quick results.
A reverse CAGR calculator works backwards.
It calculates future value from growth rate.
You enter CAGR and time period.
The formula used is:
FV = PV × (1 + CAGR)^N.
This helps estimate future investment value.
Yes, it is widely used for mutual funds.
It helps compare returns across schemes.
It standardizes returns into annual growth rate.
This makes comparison easier.
Use the mutual fund CAGR calculator.
Yes, Excel supports CAGR calculation.
Use the formula: =(FV/PV)^(1/N)-1.
Example: =(B2/B1)^(1/5)-1.
B2 is final value.
B1 is initial value.
5 is number of years.
Format the result as percentage.
A monthly CAGR converts annual growth to monthly rate.
The formula is:
Monthly CAGR = (1 + Annual CAGR)^(1/12) – 1.
This is useful for SIP investments.
It helps understand monthly growth impact.
No, CAGR does not measure risk.
It only shows growth rate.
It does not include volatility.
Use Sharpe Ratio for risk-adjusted returns.
Always consult a financial advisor before investing.
CAGR is used for single lump sum investments.
It measures growth over time.
XIRR is used for multiple cash flows.
It works with irregular intervals.
XIRR is better for SIP investments.
Use a CAGR to XIRR calculator for conversion.