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Calculate Compound Annual Growth Rate (CAGR) from a beginning value, ending value and investment period.
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Results are estimates for general information only. Actual rates and outcomes may differ; fees, taxes and inflation are excluded unless a tool explicitly includes them. This is not financial advice.
How to use CAGR Calculator
- Enter beginning and ending values.
- Enter the number of years.
- Review annualized growth and total return.
What does CAGR mean?
CAGR is the steady annual rate that would connect the beginning and ending values over the chosen period.
No sign-up is required. The calculation or transformation happens in this browser tab and the result is available immediately.
BEFORE YOU RELY ON THE RESULT
Practical guidance
CAGR expresses the single annual rate that would connect a beginning value to an ending value over a chosen number of years.
The formula in plain language
CAGR = (Ending Value / Beginning Value)^(1 / Years) − 1.
The ending value is divided by the beginning value, raised to the power of one divided by the number of years, then reduced by one. The result is shown as a percentage.
Beginning value and duration must be positive. An ending value below the beginning value produces a negative CAGR.
Worked example
If a value grows from 10,000 to 15,000 over five years, the calculator returns a CAGR of about 8.45%. That means a steady annual rate of roughly 8.45% would produce the same beginning and ending values.
What CAGR does not show
CAGR smooths every rise and fall into one rate. It does not show volatility, drawdowns, the timing of cash flows or whether the path was consistent.
It is not an internal rate of return calculation. Contributions, withdrawals, dividends, fees and taxes are reflected only if you have already incorporated them correctly into the beginning and ending values.
CAGR is a historical or illustrative growth metric. It does not predict future investment performance or recommend a financial product.
Using the result responsibly
Use CAGR to compare periods of equal meaning, and check the underlying values and dates. Rounding may make a recalculated ending value differ slightly from the displayed figure.
Related workflow
- Compound Interest Calculatorproject a constant rate forward
- Investment Growth Calculatorinclude recurring contributions
- Percentage Calculatormeasure total percentage change
Good to know
Does CAGR show volatility?+
No. It smooths the period into one annual rate.
Can CAGR be negative?+
Yes, when the ending value is lower than the beginning value.
Are results financial advice?+
No. Calculator results are estimates for comparison and planning. Check important decisions with a qualified professional.