How this calculator works
CAGR smooths the path between two balances; it does not show volatility or predict future performance. This calculation assumes no intermediate deposits or withdrawals. Negative results represent losses, and a final value of zero is a complete loss.
The formula
Gain = ending − beginning. Total return = gain / beginning × 100. CAGR = ((ending / beginning)^(1/years) − 1) × 100.A quick example
An investment rising from 10,000 to 12,100 over two years gains 2,100: a 21% total return and 10% annualized growth.
How to use this calculator
- Choose the settings that match your scenario, using the units shown beside each field.
- Enter beginning investment value, ending investment value, investment period (years).
- Calculate, then review the method and assumptions alongside the results.
A few common questions
Can I include regular deposits?
No. Deposits change the cash-flow timing; use the compound-interest planning tool for regular contribution scenarios.
Is CAGR a guaranteed annual return?
No. It is a constant equivalent rate for the two entered balances, not the observed return in each year.