CAGR Calculator
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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.
What $10,000 grows to at different CAGRs
A compound annual growth rate (CAGR) is the single steady yearly rate that would carry a starting value to an ending value over a period, however bumpy the real path was. The table runs that the other way: $10,000 growing at a constant CAGR, with nothing added or taken out.
| CAGR | 5 years | 10 years | 20 years | 30 years |
|---|---|---|---|---|
| 3% | $11,593 | $13,439 | $18,061 | $24,273 |
| 5% | $12,763 | $16,289 | $26,533 | $43,219 |
| 7% | $14,026 | $19,672 | $38,697 | $76,123 |
| 10% | $16,105 | $25,937 | $67,275 | $174,494 |
| 12% | $17,623 | $31,058 | $96,463 | $299,599 |
Small differences in the rate turn into large differences in the result over long periods, because each year's growth compounds on everything earned before. Over 30 years, 7% instead of 5% leaves you with about 75% more. That is why fees, taxes and inflation are worth taking off before you compare two CAGRs: a fund that reports 8% but charges 1% a year is a 7% fund to the person holding it.
CAGR describes a period that has already happened, or one you are assuming. It hides volatility: two investments with the same CAGR can have had very different years along the way, and the one with deeper drops is harder to hold through. It also ignores the timing of money added or withdrawn. When there were deposits or withdrawals along the way, a money-weighted return such as XIRR is the better measure.
Common mistakes to avoid
- Comparing a CAGR over a short period with one over a long period. Three strong years can produce a CAGR no investment sustains for twenty, so compare over the same length of time.
- Ignoring money added or withdrawn. CAGR uses only the start and end values; if you added money along the way, it overstates your return. Use XIRR instead.
- Picking flattering start and end dates. Starting from a market low or ending at a high can make any investment look good. Check several periods before drawing a conclusion.
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.