CAGR Calculator (Compound Annual Growth Rate)
Find your compound annual growth rate from a beginning value, ending value, and holding period — plus a year-by-year growth table
Enter your starting value, ending value, and the number of years held to get the compound annual growth rate (CAGR) — the average yearly rate at which your money grew when compounding is taken into account — along with a table that walks through the growth year by year.
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How to use
- Enter the value of the investment at the start of the period (beginning value).
- Enter the value at the end of the period (ending value).
- Enter the total holding period in years.
- Review the CAGR and the year-by-year compound growth table calculated in real time.
FAQ
- What exactly does CAGR mean?
- CAGR stands for Compound Annual Growth Rate — the annual rate your money would have grown at if it compounded steadily every year. Even when yearly returns swing wildly, CAGR boils long-run performance down to a single number you can compare across investments.
- How is it different from a simple average return?
- A simple (arithmetic) average just adds up each year's return and divides. CAGR uses compounding (a geometric mean), so it reflects what actually happened to your money. Take +100% in year one and -50% in year two: you end up right back where you started, but the simple average says +25% while CAGR correctly says 0%.
- What does a negative CAGR mean?
- It means the final value ended up smaller than the initial one, and the negative percentage shows roughly how much the asset shrank per year on average over that period. Keep in mind CAGR only compares the start and end points, so it says nothing about volatility along the way (a sharp drop followed by a rebound, for instance) — for a real read on risk, pair it with a metric like maximum drawdown.