Growth rate
CAGR is the steady yearly rate that takes a starting value to an ending value. You can also run it backwards and see the future value a rate produces.
Finfod Research DeskUpdated 28 Oct 2026How we check
CAGR9.60%
Start value, end value and years
Compound annual growth rate
₹1,00,000 becomes ₹2,50,000. The gain is ₹1,50,000. The absolute return, which ignores the years, is 150.00%.
Smoothed yearly growth
Total change, not per year
Ending value minus start
Ending value divided by start
The link keeps the numbers on this page.
Year-by-year compound value
Each row is the starting value grown at the CAGR. Market values jump around this line.
| Year | Value |
|---|---|
| 0 | ₹1,00,000 |
| 1 | ₹1,09,596 |
| 2 | ₹1,20,112 |
| 3 | ₹1,31,638 |
| 4 | ₹1,44,270 |
| 5 | ₹1,58,114 |
| 6 | ₹1,73,286 |
| 7 | ₹1,89,914 |
| 8 | ₹2,08,138 |
| 9 | ₹2,28,111 |
| 10 | ₹2,50,000 |
CAGR is the steady yearly rate that joins a start value to an end value. It smooths the path. A fund can be up 40% one year and down 10% the next. The CAGR is the single rate that still lands on the end value. It hides the fall in the middle.
CAGR equals (ending value divided by starting value), raised to the power of (1 divided by the years), minus 1. Future value equals the starting value times (1 + CAGR) to the power of the years.
Absolute return is (ending value minus starting value) divided by the starting value. It ignores how many years that took.
Money that doubles in 10 years has a CAGR of 2 to the power of 1/10, minus 1. That is 7.18% a year. The absolute return is 100%.
₹1,00,000 at 12% for 10 years is ₹1,00,000 times (1.12) to the power of 10. That is ₹3,10,584.82 before rounding. This calculator shows ₹3,10,585.
A past CAGR is not a forecast. Read the disclaimer.
No. An average adds the yearly returns and divides. CAGR is the single compound rate that joins the start value to the end value. Those two numbers match only in special cases.
Yes. Use the buy price as the start, the sale price as the end, and the years you held it. If you want stamp duty or brokerage in the rate, put them inside the start or the end. This page does not add them.
A SIP’s money goes in over time. The return in the SIP calculator is the growth on each instalment. Most of that money was not invested for the full period, so the CAGR from the first rupee to the maturity value is a different number.
The CAGR is negative. A fall from ₹200 to ₹100 over 10 years is about 6.70% a year below zero, not 10% a year. A 10% fall every year would leave much less than half.
A monthly investment belongs in the SIP calculator. You can then bring the maturity back here if you want its CAGR from the first rupee.
If you are testing a return for retirement, the FIRE calculator uses separate rates before and after you stop working.
Invested amount, estimated returns and maturity for a monthly SIP, with a step-up and inflation.
Maturity of a PPF account from a yearly deposit, with the 15-year term and optional 5-year extensions.
A lump sum and optional monthly additions, compounded yearly to daily, beside the same money at simple interest.
A SIP and a lump sum at the same yearly rate, worked on Finfod’s SIP and CAGR calculators. When the lump sum finishes ahead, and when that answer is useless.