CAGR Calculator
Calculate Compound Annual Growth Rate (CAGR) between any two values. Find end value, years to reach a target, or the growth rate of any investment.
What do you want to calculate?
Initial investment or value
Final value after growth
Investment period
CAGR
+20.11%
Compound annual growth rate
Total Return
+150.00%
$10,000.00 → $25,000.00
Duration
5.00
years to reach goal
Year-by-Year Growth at 20.11% CAGR
| Year | Portfolio Value | Total Gain | Total Return |
|---|---|---|---|
| Year 1 | $12,011.24 | +$2,011.24 | +20.11% |
| Year 2 | $14,427.00 | +$4,427.00 | +44.27% |
| Year 3 | $17,328.62 | +$7,328.62 | +73.29% |
| Year 4 | $20,813.83 | +$10,813.83 | +108.14% |
| Year 5 | $25,000.00 | +$15,000.00 | +150.00% |
Benchmark CAGRs
| Asset / Index | Historical CAGR | $10K grows to in 10 years |
|---|---|---|
| S&P 500 (historical avg) | 10.5% | $27,140.81 |
| NASDAQ 100 (2000–2024) | 11.8% | $30,508.30 |
| Gold (1971–2024) | 8% | $21,589.25 |
| US Real Estate (1968–2024) | 5.5% | $17,081.44 |
| Bitcoin (2015–2024) | 75% | $2,693,893.90 |
| US Inflation (avg) | 3.2% | $13,702.41 |
CAGR Calculator — Compound Annual Growth Rate Explained
CAGR (Compound Annual Growth Rate) measures the rate at which an investment would have grown if it grew at a steady rate annually. Formula: CAGR = (End Value / Start Value)^(1/Years) − 1. It smooths out volatility to show the effective compounding return. Use it to compare investments with different time horizons, evaluate fund performance, or project future values. The S&P 500 has delivered approximately 10–11% CAGR historically. The Rule of 72 gives a quick estimate: divide 72 by the CAGR to get the approximate number of years to double your investment (e.g., 72 ÷ 10% = 7.2 years).