CAGR Calculator
Smooth the bumps, see the true rate
₹1,00,000
₹2,00,000
5 yrs
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Compound annual growth rate
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Total return
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Wealth multiple
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Years to double
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vs Nifty 12%
CAGR ≠ average return
A stock that gains 50% one year then loses 50% has a 0% average — but a -13.4% CAGR since you've lost 25% net. CAGR is the only honest measure.
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CAGR formula & interpretation
CAGR = (End ÷ Start)1/years − 1. It answers: "If growth had been perfectly steady, what annual rate would take me from start to end?"
- ₹1L → ₹2L in 5 yrs = 14.87% CAGR (not 20%)
- ₹1L → ₹3L in 10 yrs = 11.61% CAGR
- ₹1L → ₹10L in 25 yrs = 9.65% CAGR — slow and steady wins long-term
Benchmarks to compare against: Nifty 50 long-run ~12%, FD 6-7%, gold 9-10%, CPI inflation ~6%. Any CAGR under 6% is actually losing real value.