# CAGR Calculator: Compound Annual Growth Rate > CAGR calculator: enter a starting value, ending value and number of years to get the compound annual growth rate, absolute return and a year-by-year path. Source: https://trykosh.com/tools/cagr-calculator Free tool - Investing # CAGR calculator Turn a start value and an end value into one yearly growth rate. Works for investments, property, a business's revenue or anything that grows. Rules checked 25 October 2026Free - no sign-upRuns in your browser CAGR 16.5% INR 1,00,000 to INR 2,50,000 in 6 years Absolute return**150%** Gain**+INR 1,50,000** Money multiplied**2.5x** What steady growth at this CAGR looks like Year Value Year 1 INR 1,16,499 Year 2 INR 1,35,721 Year 3 INR 1,58,114 Year 4 INR 1,84,202 Year 5 INR 2,14,594 Year 6 INR 2,50,000 CAGR fits one starting amount and one ending amount. For SIPs or several deposits and withdrawals, use XIRR instead. ## Upload your statement and Kosh does this for you. Upload your statements and Kosh tracks every SIP, FD and deposit in one place, and shows how far you are from each goal. [Start free](/signup?via=tool-cagr-calculator) ## How the CAGR calculator works CAGR, the compound annual growth rate, is the steady yearly rate that would take a starting value to an ending value over a given period. It smooths out the ups and downs into one number you can compare across investments and time spans. The calculator divides the ending value by the starting value, takes the root for the number of years, and subtracts one. Periods don't need to be whole years: 4.5 years works fine. It also shows the absolute return, which is simply the total gain as a percentage of the start. Absolute return ignores time, so a 50% gain over 2 years and over 10 years look the same; CAGR tells them apart. CAGR only fits a single investment with no money added or taken out in between. For SIPs, or anything with several cash flows, XIRR is the right measure. CAGR = (End / Start)^(1 / years) − 1 End ending value Start starting value ## Worked example: Vikram checks a fund holding Vikram invested INR 3.5 lakh in a fund 4.5 years ago and his statement now shows INR 6.1 lakh. That's a 74.3% absolute return, which sounds dramatic. The CAGR, 13.14% a year, is the number he can compare with a deposit rate or a fund's published returns. CAGR 13.14% INR 3,50,000 to INR 6,10,000 in 4.5 years Absolute return**74.3%** Gain**+INR 2,60,000** Money multiplied**1.7x** CAGR fits one starting amount and one ending amount. For SIPs or several deposits and withdrawals, use XIRR instead. [Load this example into the calculator ->](?start=350000&end=610000&years=4.5#calculator) ## Good to know - Fund factsheets show returns over 1 year as absolute and over longer periods as CAGR. Compare like with like. - A single high CAGR can hide a rough ride. Two funds with the same 5-year CAGR can have had very different falls along the way. - CAGR depends heavily on the start and end dates. Check returns over several periods (3, 5 and 10 years) rather than one. - For property, include stamp duty, registration and brokerage in the starting value for a realistic CAGR. ## Frequently asked questions What is a good CAGR? It depends on the asset and the risk. Bank deposits have paid around 6% to 7.5% in recent years; broad Indian equity indices have delivered low double digits over long periods, with big swings in between. A good CAGR is one that beats inflation and tax for the risk you took. What is the difference between CAGR and absolute return? Absolute return is the total gain as a percentage of what you invested, with no regard to time. CAGR converts it into a yearly rate. A 100% absolute return over 6 years is a CAGR of about 12.2%. Can CAGR be negative? Yes. If the ending value is lower than the starting value, CAGR is negative and tells you the average yearly loss. When should I use XIRR instead of CAGR? Whenever money went in or came out more than once, as with SIPs, top-ups or partial withdrawals. CAGR assumes a single investment held for the whole period. ## Sources and assumptions - [SEBI investor education](https://investor.sebi.gov.in/) Rules and rates last checked on 25 October 2026. Results are estimates for planning and education, not tax, legal or investment advice. Kosh is an educational financial planning tool by Primedepth Labs. It is not a SEBI-registered investment adviser and does not offer personalised investment advice, hold your money or execute trades. Markets carry risk; read scheme documents carefully and consult a registered adviser before acting.