CAGR Calculator
CAGR (Compound Annual Growth Rate) turns a total return over several years into one yearly rate, so you can compare a fund, a stock, an FD and a flat you bought in different years.
How it works, in one picture
The CAGR formula
CAGR = (End value ÷ Start value)1 ÷ years − 1. ₹1 lakh becoming ₹2.5 lakh in 7 years is an absolute return of 150% but a CAGR of about 14% a year. CAGR is the rate at which a single lump sum would have had to grow every year to reach the same result.
CAGR vs XIRR: which one do I need?
CAGR assumes one investment at the start and one value at the end. It is the right number for a one-time investment, an FD, gold or a house. If you invested in instalments (SIPs, top-ups, redemptions), the money went in on different dates and CAGR becomes misleading; use XIRR instead. Capital Friends shows both, side by side, for every fund and portfolio, so you can see the difference on your own money.
Typical CAGRs in India (for context, not a forecast)
- Nifty 50 total return, long run: roughly 11–13% a year.
- Bank FDs: 6–7.5%. PPF: 7.1%. EPF: 8.25%.
- Gold over 20 years: about 11%. Inflation: 5–6%.
CAGR and XIRR side by side, for your own funds
The difference between a fund's return and your return, for every fund, every portfolio and the family.
- Flexi cap fund 7% below high₹28.4 L
- Multi asset fund₹13.3 L
- Global index fund SIP only₹11.4 L
- Bank FD · safe₹12 L
Every fund, SIP, switch and sale from one CAMS statement. Money-in is real cash, not switched profit. Each fund is compared with its own high every day.
- Retirement is 4% off its path · 1 step due
- Flexi cap fund is 7% below its high · information, not advice
- SIP ₹40,000 due on the 5th · term policy renews in 12 days
- Net worth, every account, every fund, nominees, loans: where everything is
Sent every morning from your own Gmail to the family members you choose. If something happens to you, they know where everything is.
Track the real thing, not just the estimate
Capital Friends is a free, open-source portfolio tracker for Indian families. Import your CAMS statement, see XIRR and CAGR for every fund, plan goals and retirement, and let your family get one summary email. Your data stays in your own Google Drive.
Frequently asked questions
What is a good CAGR for mutual funds?
For equity funds, 12% or more over 10+ years is good; 15%+ is excellent. Compare a fund with its benchmark index over the same period, not with a fixed number.
Why is my CAGR different from the fund's CAGR?
The fund's CAGR is for a lump sum held for the whole period. Your money went in on different dates, so your personal return is an XIRR, which can be higher or lower.
How do I calculate CAGR for a house or gold?
Use the purchase price as the start value, today's market value as the end value, and the years since purchase. Remember to subtract stamp duty, brokerage and maintenance for a true figure.
Can CAGR be negative?
Yes. If the end value is below the start value, CAGR is negative, meaning the investment lost value every year on average.
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Calculators use the inputs you enter and standard formulas; results are estimates, not guarantees. Returns from mutual funds, stocks and other investments are not fixed and can be lower than assumed. Capital Friends is a tracking tool and is not a SEBI-registered investment adviser; nothing here is a recommendation to buy or sell any security.