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Calculate Compound Annual Growth Rate to compare past performance of stocks and mutual funds.
Annualized rate of return over 5 years
Calculations follow official federal and central bank guidelines (IRS, RBI), statutory tax provisions, and standardized actuarial compounding.
Why our math is exact vs other portals →The CAGR Calculator is built to eliminate financial ambiguity by applying exact Indian financial mathematics rather than generic, oversimplified online estimates.
Whether evaluating interest liability on bank credit, calculating compounding acceleration on systematic investments, or forecasting net post-tax maturity values, accurate forecasting ensures you never misjudge your cash flow or long-term corpus.
CAGR represents the smoothed annualized rate of return over multiple years.
End-of-period Annuity Ordinary math (omits interest on month 1 deposit)
True Annuity Due compounding [M = P × ((1+i)^n - 1)/i × (1+i)] reflecting real mutual fund SIP beginning-of-month debits.
In India, retail lending follows RBI guidelines on reducing balance compounding and External Benchmark Linked Lending Rates (EBLR/RLLR). Fixed deposits follow RBI quarterly compounding mandates, while mutual fund equity investments adhere to SEBI NAV timing and post-Budget 2024 capital gains tax provisions (12.5% LTCG over ₹1.25L).
₹1,00,000 grows to ₹2,50,000 over 5 years.
CAGR is 20.11% per annum. Total absolute return is 150%.
How systematic monthly mutual fund investments compound into multi-crore wealth across key milestones.
| Monthly SIP | 5 Years | 10 Years | 15 Years | 20 Years (Crore Goal) |
|---|---|---|---|---|
| ₹5,000/mo | ₹4,12,432 | ₹11,61,695 | ₹25,22,880 | ₹49,95,740 |
| ₹10,000/mo | ₹8,24,864 | ₹23,23,391 | ₹50,45,760 | ₹99,91,479 |
| ₹25,000/mo | ₹20,62,159 | ₹58,08,477 | ₹1,26,14,400 | ₹2,49,78,698 |
| ₹50,000/mo | ₹41,24,318 | ₹1,16,16,954 | ₹2,52,28,800 | ₹4,99,57,396 |
Simple averages fail to account for the compounding effect of volatility and year-over-year fluctuations, whereas CAGR gives the true annual geometric growth rate.
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Deepen your financial planning across interconnected tools. Every calculator within this cluster shares statutory logic and standardized Indian financial formulas.