CAGR Calculator
Compound annual growth rate from start value, end value, and years — or solve for any one variable given the others.
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Growth
Compound annual growth rate
CAGR = (ending / beginning)^(1/years) − 1. Advanced mode subtracts a one-time contribution from ending value (rough adjustment only).
Advanced mode
Subtract a lump-sum contribution from the ending balance before CAGR (approximation).
Results
CAGR
Annualized return
13.09%
Multiplier
1.850×
End / start
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Perspective
CAGR smooths a volatile path
CAGR is a single smooth rate; two portfolios with the same CAGR can have very different risk.
It does not reflect cash flows — use XIRR when there are deposits or withdrawals.
FAQ
Common questions
CAGR vs average annual return?
CAGR geometrically links start and end; arithmetic averages of yearly returns can overstate growth.
Does CAGR include dividends?
If end value is total return including reinvested dividends, yes.
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