CAGR Calculator
Calculate Compound Annual Growth Rate (CAGR), inflation-adjusted real CAGR, wealth multiple, and annualized investment performance.
How the CAGR Calculator works
Calculate Compound Annual Growth Rate (CAGR), inflation-adjusted real CAGR, wealth multiple, and annualized investment performance. Below is the exact mathematical or algorithmic model used by this investment utility, along with its key operating assumptions.
CAGR = (Ending Value ÷ Beginning Value)^(1 ÷ Years) − 1. Real CAGR = ((1 + Nominal CAGR) ÷ (1 + Inflation Rate)) − 1.Step-by-step workflow
- Set your starting capital, rate, or tenure in the CAGR Calculator controls (or pick a quick INR benchmark preset).
- The calculation engine applies CAGR = (Ending Value ÷ Beginning Value)^(1 ÷ Years) − 1. Real CAGR = ((1 + Nominal CAGR) ÷ (1 + Inflation Rate)) − 1. on every change and separates principal from compounded gains or interest.
- Inspect the visual chart breakdown and adjust sliders to stress-test lower returns, higher inflation, or extra prepayments.
Worked example & key advantages
An investment that grows from ₹1,00,000 to ₹3,10,000 over 10 years has a nominal CAGR of 11.98% (a 3.10× wealth multiple).
Why use this CAGR tool
- Transparent compounding and amortization math (CAGR) with Indian Lakh and Crore formatting.
- Side-by-side visual charts showing how tenure, rate resets, or step-ups change lifetime wealth.
- 100% browser-local execution—your loan, investment, and tax figures are never uploaded or stored on a server.
Important Assumptions & Scope
- Assumes smooth annual compounding between initial and final values.
- Does not account for intermediate cash inflows or outflows (use XIRR for staggered flows).
- Taxes and exit loads are not deducted.
Frequently Asked Questions — CAGR
Clear answers to common questions about methodology, edge cases, and privacy.
What is a good CAGR for Indian equity mutual funds?
Historically, diversified Indian equity funds have targeted 11%–14% over 7–10+ year horizons, though market returns are never guaranteed.
What is Inflation-Adjusted Real CAGR?
Real CAGR measures how fast your actual purchasing power grew after subtracting the erosion caused by annual inflation.
Does the CAGR Calculator send my financial or salary data to a server?
No. All calculations inside the CAGR Calculator run 100% locally in your browser using deterministic TypeScript formulas. Your income, loan, or investment figures are never uploaded, stored, or shared.
How can I share or bookmark a scenario in the CAGR?
Click '☆ Save to Workspace' in the header to pin the CAGR to your local browser dashboard, or copy the page URL to reference this utility anytime.