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Investing Basics Formula

CAGR Formula

The Compound Annual Growth Rate (CAGR) formula calculates the smoothed annual rate of return an investment has grown over a specified period, assuming all profits were reinvested. It provides a single, consistent growth rate.

By Orbyd Editorial · AI Fin Hub Team
Best Next MoveSavings & Investing

CAGR Calculator

Calculate compound annual growth rate from start/end values with doubling time and growth chart.

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Formula

Copy the exact expression or work through it step by step below.

CAGR = (Ending Value / Beginning Value) ^ (1 / Years) - 1

Variables

CAGR

CAGR

The cagr value plugged into the cagr calculation.

EV

Ending Value

The ending value value plugged into the cagr calculation.

BV

Beginning Value

The beginning value value plugged into the cagr calculation.

t

Years

The time horizon applied to the cagr formula.

Step By Step

  1. 1

    Set the baseline case with the real calculator inputs.

    Start Value = $10,000, End Value = $25,000, Years = 5

  2. 2

    Translate rates, periods, and cash values onto the same footing before combining them.

    Keep the cagr assumptions consistent instead of mixing monthly and annual views.

  3. 3

    Apply the formula and read the first calculator outputs, not just the headline assumption.

    The calculator lands with cagr at 0.2 and total return percent at 150.0%.

  4. 4

    Run one changed scenario so the formula is stress-tested before it is trusted.

    The cagr calculator page is the fastest way to compare that second case.

Worked Example

CAGR sample case

Start Value

$10,000

End Value

$25,000

Years

5

CAGR = (Ending Value / Beginning Value) ^ (1 / Years) - 1 using start value $10,000, end value $25,000, years 5.

The calculator lands with cagr at 0.2 and total return percent at 150.0%.

Common Variations

Longer and shorter time horizons should be stress-tested before using one base case as the answer.
Scenario variants are useful because fixed assumptions rarely survive contact with real life unchanged.
Use CAGR Calculator to compare the baseline result with one stressed case before relying on a single answer.

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Sources & References

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Planning estimates only — not financial, tax, or investment advice.