CAGR Calculator
Enter what you put in, what it's worth now, and how long you held it — get the annualized (CAGR) return, which is what actually lets you compare investments fairly.
Your numbers
₹
₹
years
Result — with the workings shown
CAGR (annualized return)
19.35%
per year, compounded
Total gain
₹1,40,000
Absolute return
70.0%
over the whole period
Time to double
3.7 yrs
at this rate, Rule of 72
How this is worked out
₹2,00,000 growing to ₹3,40,000 over 3 years is a total gain of ₹1,40,000, or 70.0% overall. But that's not comparable across different time periods — CAGR annualizes it: (₹3,40,000 ÷ ₹2,00,000) ^ (1/3) − 1 = 19.35% per year. That's the number to compare against a fixed deposit's interest rate or another fund's return. As a rough rule of thumb (the "Rule of 72"), money growing at this rate would take about 72 ÷ 19.3 = 3.7 years to double.
For context: a bank FD typically runs 6.5–7.5%/yr, and India's Nifty 50 has averaged roughly 12%/yr CAGR over long stretches (with much bigger year-to-year swings than an FD). Where your 19.3% lands against those tells you whether this was a strong result for the risk taken.
59%
41%
What you put in · ₹2 LGain · ₹1.4 L
Terms used on this page
- CAGR
- Compound Annual Growth Rate — the single steady yearly rate that would take your starting value to your ending value, smoothing out any bumps along the way.
- Absolute return
- The total % gained over the whole period, with no regard for how long it took — makes a 1-year gain look the same as a 10-year gain.
- XIRR
- Like CAGR, but for money added or withdrawn at different times (e.g. a SIP) rather than one lump sum on one date. Most mutual fund apps show XIRR, not CAGR, for SIP investments.