Returns & Growth
CAGR Calculator
Find your Compound Annual Growth Rate, project future value at a target CAGR, or work out the CAGR you need to hit a goal — with absolute return shown side by side so the two numbers never get confused.
Choose What to Calculate
Results
Why absolute return and CAGR look so different
A 100% absolute return over 6 years sounds dramatic, but spread evenly across every year it is really just 12.25% CAGR — steady annual compounding, not an overnight windfall. This is the “comparability trap”: a 100% return over 6 years, for instance, is only about 12.2% CAGR. Always compare investments held for different durations using CAGR, never raw absolute return.
Value Growth Over Time
Illustrative year-by-year value assuming a steady 12.25% annual growth rate — real markets rarely move in a straight line
How Does This Compare?
Broad reference ranges for common asset classes — illustrative historical ranges, not guarantees. Past performance does not indicate future returns.
| Asset Class | Illustrative CAGR |
|---|---|
| Fixed Deposit (FD) | ~7% p.a. |
| Gold | ~9% p.a. |
| Nifty 50 (equity) | ~12% p.a. |
| Your CAGR (Annualized Return) | 12.25% p.a. |
Year-by-Year Growth
Projected value at a steady 12.25% annual rate
| Year | Value | Gain So Far | Growth % |
|---|---|---|---|
| Yr 0 | ₹5.00 L | ₹0 | 0.0% |
| Yr 1 | ₹5.61 L | ₹61,231 | 12.2% |
| Yr 2 | ₹6.30 L | ₹1.30 L | 26.0% |
| Yr 3 | ₹7.07 L | ₹2.07 L | 41.4% |
| Yr 4 | ₹7.94 L | ₹2.94 L | 58.7% |
| Yr 5 | ₹8.91 L | ₹3.91 L | 78.2% |
| Yr 6 | ₹10.00 L | ₹5.00 L | 100.0% |
CAGR formula: CAGR = (Ending Value ÷ Beginning Value)(1 ÷ Years) − 1. It is the single steady annual rate that, compounded every year, takes you from the starting amount to the ending amount — useful for comparing investments held for different lengths of time on a like-for-like basis.
Want help reading these numbers into a real plan?
Share your contact — your Relationship Manager will call back and help you translate CAGR into a goal-based investment plan, zero obligation.
Calculator results are for illustration purposes only. Actual returns may vary based on market conditions, fund performance, and other factors. Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing. Past performance does not guarantee future returns.
Turn These Numbers Into Your Real Wealth
Get a personalized investment roadmap on WhatsApp in 30 seconds — our team will map these calculations to actual funds and a goal-based SIP plan, completely free.
Trustner Asset Services Pvt. Ltd. · AMFI ARN-286886 · No obligation, no charges
Related Calculators
Explore more tools that pair well with this one
TVM Calculator
The universal time-value-of-money solver — find any of PV, FV, payment, rate, or tenure from the other four.
Compound Interest Calculator
Maturity value at any compounding frequency, with a Rule-of-72 doubling timeline and simple-vs-compound comparison.
XIRR, IRR & NPV Calculator
Enter dated cash flows and get your true money-weighted return — the same XIRR your CAS statement shows.
SIP Future Value Calculator
Calculate how much your monthly SIP will grow over time with the power of compounding.
Retirement SIP Planner
Calculate the monthly SIP needed for your retirement corpus.