CAGR Calculator
Any country Currency-neutral arithmetic. Enter figures in your own currency; no country tax rules are applied.
CAGR calculator: compound annual growth rate over years or between dates, absolute and real return, doubling time, and the true return when money was added.
Educational estimate only. Not a lending decision. Your numbers stay in this browser.
Results
How to read this: the verdict describes how much room your numbers leave, not a decision or an offer. Change any input to see how much the result moves.
Investing and retirement guides
These guides explain compounding, contribution projections, retirement targets, inflation, and real returns.
- Compound interest explained
- Investment return with contributions
- Retirement savings target
- Inflation and real returns
For all guide topics, open Guides. For source and estimate boundaries, read Calculation Methodology and Sources and Assumptions.
Assumptions and formula
CAGR is the steady yearly rate that turns the starting value into the ending value: (end ÷ start)^(1 ÷ years) − 1. With dates, the years are the days between them ÷ 365.25. The absolute return is the total change, (end ÷ start) − 1.
The real CAGR removes inflation: (1 + CAGR) ÷ (1 + inflation) − 1. The doubling time is ln 2 ÷ ln(1 + CAGR). If you enter money added each year, CAGR on the totals counts those additions as growth; the calculator then solves the money-weighted return, the rate at which the starting value and each year’s addition grow to the ending value. For irregular, dated cash flows, use XIRR.
Worked example
$10,000 growing to $25,000 in 7 years is a CAGR of 13.99% a year (150% in all), 10.67% after 3% inflation, doubling every 5.3 years. Measured from 1 April 2019 to 1 October 2026, 7.5 years, it is 12.99%. If $1,000 was added each year, the money actually earned 7.22% a year.
Frequently asked questions
What is the CAGR from $10,000 to $25,000 in 7 years?
13.99% a year: 2.5^(1/7) − 1. After 3% inflation that is 10.67% a year.
How do I calculate CAGR?
Divide the end value by the start value, raise it to the power 1 ÷ years and subtract 1. $10,000 growing to $25,000 in 7 years: 2.5^(1/7) − 1 = 13.99% a year. In Excel: =(25000/10000)^(1/7)−1, or =RRI(7,10000,25000).
What is the difference between CAGR and absolute return?
Absolute return is the total change, 150% from $10,000 to $25,000. CAGR spreads it over the years as a steady compound rate, 13.99% over 7 years, so investments held for different lengths of time can be compared.
Can I use CAGR when I added money during the period?
No: CAGR on the start and end totals counts your own additions as growth. $10,000 growing to $25,000 in 7 years is a 13.99% CAGR, but if you also added $1,000 a year, the money earned only 7.22% a year. Use the money-weighted return here, or XIRR for dated cash flows such as a SIP.
What is a good CAGR?
It depends on the asset and inflation. Over long periods, broad stock markets have compounded at roughly 7% to 10% a year before inflation; bonds and deposits at less. Compare with a benchmark over the same dates, and look at the real CAGR after inflation.
How long does it take to double at a given CAGR?
ln 2 ÷ ln(1 + CAGR): about 5.3 years at 14%, 7.3 years at 10%, 10.2 years at 7%. The rule of 72 (72 ÷ rate) gives a quick estimate.
Is this a compound annual growth rate calculator for stocks and revenue?
Yes: a CAGR calculator and compound annual growth rate calculator for investments, stocks, mutual funds, revenue or any value, by years or between two dates. It also works as a CAGR formula calculator and annualized return calculator.
What is the CAGR equation?
CAGR = (ending value ÷ starting value)^(1 ÷ years) − 1. Growing from $10,000 to $20,000 in 7 years is a CAGR of 10.4% a year.
Sources
Sources reviewed 4 October 2026: checked against their current editions on that date.
- Standard compound-growth formula: CAGR = (end ÷ start)^(1 ÷ years) − 1, as in Excel’s RRI function.
This page is an educational estimate, not personal financial or tax advice. Eligibility and individual circumstances can change the result.