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CAGR Calculator

Calculate Compound Annual Growth Rate, future value, and required returns. Compare against Nifty 50, S&P 500, and gold benchmarks.

CAGR Future Value Benchmarks

📈 CAGR Calculator FREE

Initial Investment

Final Value

Number of Years

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CAGR

Total Return

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Absolute Gain

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Year by Year Growth

How it compares

Disclaimer: All calculations are based on your inputs and are for informational purposes only. Not financial advice. Consult a qualified financial advisor before making investment decisions. StockAvg is not registered as a financial advisor in any jurisdiction.

💡 What is CAGR?

Enter your numbers

Initial value, final value, and number of years.

Get your CAGR

The smoothed annual rate of growth of your investment.

Compare benchmarks

See how your returns stack up against Nifty 50, S&P 500, and gold.

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What is CAGR? — Compound Annual Growth Rate Explained

CAGR (Compound Annual Growth Rate) is the smoothed annual rate of return on an investment over a given time period, assuming profits are reinvested each year. It's the most widely used metric to compare investment performance in India and globally.

Unlike simple returns, CAGR accounts for compounding — meaning it gives you the equivalent annual growth rate even if returns were uneven year to year. This makes it ideal for comparing mutual funds, stocks, and FDs over different time periods.

CAGR = (Final Value ÷ Initial Value) ^ (1 ÷ Years) − 1

Example: ₹1,00,000 grew to ₹2,50,000 in 5 years
CAGR = (2,50,000 ÷ 1,00,000) ^ (1/5) − 1 = 20.11% per year

CAGR Benchmarks — India vs Global Markets

🇮🇳 Indian Markets (10-year CAGR)

Nifty 50~12.5%

Sensex~12.8%

Nifty Midcap 150~16%

Bank FD (avg)~6.5%

PPF~7.1%

🌍 Global Markets (10-year CAGR)

S&P 500 (US)~13.2%

Nasdaq 100~18%

TSX Composite (Canada)~8.5%

FTSE 100 (UK)~5.8%

Gold~9.5%

Frequently Asked Questions

What is a good CAGR for Indian mutual funds?

A CAGR above 12–15% is considered good for Indian equity mutual funds over a 5–10 year period. Large-cap funds typically return 11–14%, while mid-cap and small-cap funds can return 15–20% with higher volatility.

Is CAGR the same as annualised return?

CAGR and annualised return mean the same thing for single investments. However, for SIPs (systematic investment plans) with multiple installments, XIRR is more accurate than CAGR since it accounts for the timing of each cash flow.

How do I calculate how much I need to invest to reach ₹1 crore?

Use the "Required CAGR" mode on this calculator. Enter your current portfolio value, ₹1,00,00,000 as the target, and your investment horizon in years. The calculator shows the annual return you need to reach your goal.