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CAGR Explained — How to Calculate Compound Annual Growth Rate

Mytulify Team3 min read
CAGR Explained — How to Calculate Compound Annual Growth Rate

CAGR (Compound Annual Growth Rate) is the single yearly growth rate that takes a starting value to an ending value over a set number of years — as if growth were perfectly smooth. Analysts use a CAGR calculator to compare mutual funds, stocks, revenue, and other metrics on an equal footing when year-to-year returns bounce around.

Why CAGR beats “total return %” for multi-year periods

Suppose an investment doubles in five years. Total gain is 100%, but that is not “100% per year.” CAGR answers: what constant annual rate would produce that same ending value? That number is the fair way to compare a 3-year fund with a 7-year fund, or revenue in 2020 vs 2026.

CAGR does not describe the path — only the endpoints. Volatility, interim deposits, and withdrawals are outside the classic formula.

The CAGR formula

CAGR = (Ending value ÷ Beginning value)^(1 ÷ years) − 1

Multiply by 100 for a percentage.

Symbol Meaning
Beginning value Value at the start of the period
Ending value Value at the end of the period
Years Length of the period (can be fractional, e.g. 3.5)

Worked example

  • Begin: ₹1,00,000
  • End: ₹2,50,000
  • Years: 5

CAGR = (2.5)^(1/5) − 1 ≈ 20.11% per year

Try the same numbers in the CAGR Calculator to confirm total gain and CAGR in one view.

When CAGR is the right tool

Use CAGR when you have a clear start value, end value, and time span:

  • Fund NAV or portfolio value over N years (no mid-period cash flows, or after adjusting for them)
  • Company revenue or profit growth across fiscal years
  • Comparing two assets held for different lengths of time

Avoid classic CAGR when:

  • You add money every month (use a SIP calculator for projections)
  • You need risk-adjusted return (Sharpe, drawdowns)
  • The period includes large one-off deposits or withdrawals without adjustment

CAGR vs compound interest vs SIP

Tool Question it answers
CAGR Calculator What annual rate links start → end over N years?
Compound Interest Calculator What will a starting amount (plus optional adds) grow to at a given rate?
SIP Calculator What might regular monthly investments be worth at an assumed rate?

CAGR looks backward (or across known endpoints). SIP and compound tools usually look forward under an assumed rate. For goal planning, project with SIP/compound; for performance review, summarize with CAGR.

How to calculate CAGR on Mytulify

  1. Open the CAGR Calculator.
  2. Enter beginning value and ending value.
  3. Enter the number of years between those values.
  4. Read CAGR %, total gain, and total gain %.

Everything runs locally in your browser — private, free, and unlimited.

Semantic tip: related searches people actually mean

Searchers looking for “cagr calculator,” “compound annual growth rate calculator,” “how to calculate cagr,” or “mutual fund cagr” usually want the same formula above. Pair it with inflation awareness: a 12% CAGR with 6% inflation is a very different real outcome than a 12% headline alone — sense-check purchasing power with the Inflation Calculator.

Clear CAGR math makes fund factsheets and pitch decks comparable. Paste your start and end values into the free tool whenever you need a defensible annual growth rate in seconds.

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Related tools

CAGR CalculatorCalculate compound annual growth rate from beginning value, ending value, and years.SIP CalculatorEstimate mutual fund SIP maturity value, total invested, and returns — with optional annual step-up.Compound Interest CalculatorProject investment growth with compounding over time and contributions.Profit Margin CalculatorCalculate profit, profit margin %, and markup from cost and selling price.

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