CAGR calculator
Enter where the value started, where it ended and how many years passed. The page shows the compound annual growth rate, the steady yearly rate that joins those two points, and the total change.
- Yearly growth
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How to use it
- Enter the starting value and the ending value.
- Enter the years between them.
- Read the CAGR and the total change.
What the CAGR is measuring
CAGR is the constant yearly rate that carries the starting value to the ending value when each year's growth stays invested. The formula is (ending ÷ starting) raised to the power of 1 ÷ years, then minus 1. A fall in value shows as a negative rate.
Total change is the whole move from the start to the end, with the years folded into a single percentage. A value that goes from 1,000 to 1,500 in three years has a CAGR of 14.47% and a total change of 50%. The path in between can be uneven. CAGR describes the two endpoints.
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Questions
Can the ending value be lower?
Yes. The rate is negative when the ending value is below the start, and it is -100% when the ending value is zero.
Do the years have to be whole?
A fraction works. Two and a half years is 2.5.
Is this the same as a yearly average of the ups and downs?
CAGR uses the start, the end and the time. It is the steady rate that joins those endpoints.
How is this different from ROI?
The ROI page starts from an amount invested and a final value, and it adds the annualised rate when you enter the years. For one amount in and one amount out, that annualised rate is the CAGR.