SIP Calculator India
Estimate mutual fund SIP maturity value, invested amount, and wealth gain.
UseAll India tools
Investments
CAGR Calculator
Calculate compound annual growth rate from initial value, final value, and time period.
How to useStart with the sample values, edit the fields, and watch the results update automatically.
Estimate only. This is educational content, not financial, tax, investment, or legal advice.
Your estimateUpdates instantly
CAGR20.11%Smoothed yearly growth rate over the full period.
Absolute gain₹1,50,000Total growth of 150% over the period.
Money multiple2.5xFinal value divided by initial value.
Projection
5 rowsCAGR implied yearly value
Shows the smoothed value path implied by the CAGR between starting and ending value.
| Year | Implied value | CAGR | Gain / loss |
|---|---|---|---|
| 1 | ₹1,20,112 | 20.11% | ₹20,112 |
| 2 | ₹1,44,270 | 20.11% | ₹44,270 |
| 3 | ₹1,73,286 | 20.11% | ₹73,286 |
| 4 | ₹2,08,138 | 20.11% | ₹1,08,138 |
| 5 | ₹2,50,000 | 20.11% | ₹1,50,000 |
What this result means
CAGR converts total growth into a single smoothed yearly rate, which makes investments of different durations comparable. A stock that tripled in 10 years has a CAGR of about 11.6%, not 20%.
CAGR works for point-to-point values such as a stock, property, or fund NAV. For investments with multiple cash flows like SIPs, XIRR is the right measure, and CAGR will overstate or understate the true return.
Quick questions
What is a good CAGR?
Context matters: Indian large-cap equity has historically delivered around 11% to 13% CAGR over long periods, fixed deposits 6% to 7%, and inflation has averaged near 5% to 6%. A return meaningfully above inflation is the practical benchmark.
CAGR vs absolute return?
Absolute return ignores time. A 100% gain sounds large, but over 10 years it is only about 7.2% CAGR. Always convert to CAGR before comparing options.
CAGR vs XIRR?
CAGR assumes one investment at the start and one value at the end. XIRR handles multiple deposits and withdrawals on different dates, so use XIRR for SIPs.