CAGR Calculator

CAGR is the Compound Annual Growth Rate and is the mean annual growth rate of an investment over a specified time period longer than one year assuming the growth happens at the same time every year with compounding taken into account. It damps oscillation and provides a single rate to represent how much it has grown over a given period of time.

Smart investing is also about more than just putting money into assets; it’s also understanding how your investments grow over time. CAGR: One of the most consistent and fundamentally sound approaches to the evaluation of investment performance is CAGR (Compound Annual Growth Rate). The CAGR Calculator, is an aid that can let you do the taking a look at and however now have the capability to simply see and think those ideal funding growth values comfortably.

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CAGR Calculator India

CAGR Calculator

Comprehensive investment analysis tool tailored for Indian investors

Powered by MasterCalculator.in

Calculate CAGR

₹
₹

Results

CAGR

0.00 %

Compound Annual Growth Rate

0% Poor Good 30%+

Investment Growth

₹50,000

Absolute growth over the period

Growth Factor

1.50x

How many times your investment has grown

Investment Growth Visualization

If maintained for 10 years:

₹0

If maintained for 15 years:

₹0

If maintained for 20 years:

₹0

CAGR Calculator for Indian Investors | Designed for comprehensive investment analysis

Disclaimer: This calculator provides estimates based on your inputs. Actual investment results may vary. Please consult with a financial advisor for personalized advice.

Key Features of the CAGR Calculator

1. Input Field for Customization

Initial Investment (₹): Amount invested initially.

Final Investment Value (₹): Current or projected value of investment.

Investment Period (Years): Time span of the investment.

This allows users to plug in real-world data from any type of investment be it mutual funds, fixed deposits, stocks, or gold and calculate growth instantly.

2. Instant CAGR Output:

Once the inputs are entered and “Calcuate CAGR” is clicked, the result is immediately displayed. In the example shown:

CAGR: 8.45% per annum

This is highlighted prominently with a gauge meter that shows whether the CAGR is Poor, Average, or Good, making it visually intuitive. In this CAGR of 8.45% falls under the “Good” range, a healthy return for many long-term investments like equity mutual funds.

3. Investment Growth:

Next to the CAGR result, additional investment metrics are displayed:

Investment Growth: ₹50,000 – This is the absolute gain over the investment period.

Growth Factor: 1.50x – This shows the investment grew 1.5 times its original value.

These metrics offer a clearer context to the CAGR, helping users whether the return is satisfactory.

4. Graphical Investment Growth Visualization

At the bottom, the tool features a line chart that visualizes the investment value over time, from year 0 to year 5. The steadily rising curve shows the compound nature of growth and builds confidence in long-term investing.

This graph helps:

  1. Understand compounding visually.
  2. See how small CAGR differences impact returns over time.
  3. Identify future wealth potential.

How This Tool Differs from Others

While many CAGR calculators exist online, this one stands out due to:

Gauge & Color Feedback: Most calculators just show numbers, while this one offers a semi-analog visual.

Growth Visualization Graph: Very few calculators offer year-by-year visual output.

Integrated Options: The top navigation shows options like Investment Comparison, Inflation Adjusted, Tax Impact, and SIP Calculator, indicating the tool is part of a comprehensive suite.

Investment Comparison Calculator

The Investment Comparison tool allows users to evaluate and contrast up to three different investment options side-by-side based on initial value, final value, and investment period. It calculates the Compound Annual Growth Rate (CAGR) for each investment and help you make informed decisions.

Expmple:

InvestmentInitial ValueFinal ValuePeriodCAGR (%)
Equity Fund₹1,00,000₹1,80,0005 years12.47%
Fixed Deposit₹1,00,000₹1,30,0005 years5.38%
Gold₹1,00,000₹1,45,0005 years7.71%

Inflation-Adjusted CAGR Calculator

Returns on investment are not meaningful unless you account for inflation, which erodes the real value of money. This calculator adjusts the nominal CAGR to show real returns after inflation.

Key Insights:

  1. Inflation Erosion: ₹32,471 lost purchasing power.
  2. Erosion percentage: 21.65%
  3. Real return gives you a better perspective for goal planning.

Benefits:

  • Makes future goals realistic.
  • Encourages investing in higher-return instruments to beat inflation.
  • Essential for retirement or education planning.

Tax Impact Calcualtor

Every rupee earned from an investment might not be yours taxes eat into profits. This calculator helps assess the post-tax CAGR after applying relevant tax rules based on investment type and income bracket.

Tax Note:

For equity funds held more than 1 year, LTCG tax is 10% beyond ₹1 lakh of gain no indexation benefit is avaliable.

Benefits:

  1. Prepares for realistic returns after taxes.
  2. Helps you choose tax-efficient investments.
  3. Vital for HNIs or anyone in the 20-30% tax bracket.

SIP Calculator (Systematic Investment Plan)

This calculator estimates wealth built through regular monthly investments via SIPs, a popular mode of investing in mutual funds. It includes inflation and optional step-up SIP projections.

Benefits:

  1. Great for wealth accumulation goals (retirement, child’s education).
  2. Encourages disciplined, rupee-cost averaging investing.
  3. Helps compare monthly vs lump-sum investing.

Benchmark Comparison Tool

This tool compars your investment’s CAGR with major financial benchmarks like NIFTY, SENSEX, Gold, PPF, and FDs, helping you assess relative performance.

Use Cases:

  1. Understand if your portfolio beats inflation and indices
  2. Benchmark returns vs traditional options like FD/PPF
  3. Adjust asset allocation based on performance

Benefits:

  1. Motivates performance-driven investing
  2. Highlights underperforming assets
  3. Empowers data-based financial decisions

FAQs on CAGR Calculator

Q1. What is a good CAGR value?

A CAGR above 8% is generally considered good for long-term investments like mutual funds. Equity investments can aim for 10–15% CAGR, while safer instruments like FDs may offer 6–7%.

Q2. Can CAGR be negative?

Yes, if the final value is less than the initial investment, the CAGR will be negative, indicating a loss.

Q3. Is CAGR accurate for SIPs?

Not exactly. SIPs involve periodic investments, so XIRR (Extended Internal Rate of Return) is more accurate.

Q4. Does CAGR include inflation?

No. It reflects nominal growth. To know real return, you must adjust for inflation separately.

Q5. Can I use this calculator for business revenue growth?

Absolutely. It’s also widely used to measure business metrics like revenue, profit, or market cap growth over years.