UtilityBaseCalculators
CAGR Calculator
Compute the compound annual growth rate from a start value, end value, and years.
Updated July 13, 2026
How to use the cagr calculator
- 1Enter the starting value.
- 2Enter the ending value.
- 3Enter the number of years.
- 4Read the CAGR, total growth, and year-by-year path.
Common uses
- Finding the annualized return of an investment
- Comparing growth across different time periods
- Measuring revenue or user growth for a business
- Checking a fund's advertised annualized return
Frequently asked questions
What is CAGR and how is it calculated?
CAGR is the compound annual growth rate: (ending value ÷ starting value) raised to the power of (1 ÷ years), minus 1. It's the constant yearly rate that would take the start to the end over the period. $10,000 growing to $18,000 over 5 years is a CAGR of about 12.47%.
How is CAGR different from average return?
A simple average of yearly returns overstates growth because it ignores compounding and volatility — a year of +50% and a year of −50% averages 0% but actually loses money. CAGR reflects the true compounded result, which is why it's the standard for comparing performance over time.
Does CAGR account for deposits or withdrawals?
No. CAGR assumes a single lump sum left untouched. If you added or withdrew money along the way, CAGR of the start and end values won't reflect your actual return — you'd want a money-weighted return (IRR) instead. Use CAGR for a clean start-to-end comparison.
About this tool
The CAGR calculator finds the compound annual growth rate — the single steady yearly rate that grows a starting value to an ending value over a number of years. Enter the three figures and it returns the CAGR, the total growth, the growth multiple, and a year-by-year path at that smoothed rate. CAGR is the standard way to compare investments or business metrics over different periods because it cancels out the bumps and isn't distorted the way a simple average of yearly returns is. It assumes a lump sum with no deposits or withdrawals. This is math, not investment advice. Everything runs in your browser.
Like most tools on UtilityBase, the cagr calculator runs entirely in your browser — nothing you enter is uploaded or stored on a server. It's free to use with no account required. Browse more calculators here.
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