CAGR from Starting and Ending Value
Calculate a smooth annual rate that transforms the starting value into the ending value. It is not the arithmetic average of observed yearly returns and does not describe the path between endpoints.
- Runs in your browser
- Nothing is uploaded
- No signup; device limits apply
Numbers stay on your device. Nothing is sent to a server.
How to use this tool
Enter values in the same currency and years elapsed; displayed amounts use USD. Intermediate contributions or withdrawals prevent a simple balance comparison from isolating investment performance.
Results and examples
CAGR is (end/start)^(1/years) minus one. The multiple describes total growth, not an annual rate, and neither output reveals volatility or losses along the way.
Worked example
A value rising from 100 to 121 over two years has a 10% compound annual growth rate.
Limitations
- Interim cash flows, tax, fees and volatility are excluded.
- A historical endpoint rate does not promise future returns.
Fields
| Field | Guidance and constraints |
|---|---|
| Starting value | Accepted range: 0.01–100000000 · Input step: 100 |
| Ending value | Accepted range: 0–100000000 · Input step: 100 |
| Years | Accepted range: 0.1–100 · Input step: 0.1 |
Data handling
Processing stays in the current browser tab; the site does not upload tool input for the calculation itself.
Sources
Frequently asked questions
Did every year return 10%?
No. It is a constant equivalent rate between endpoints.
What if I contributed more money?
CAGR alone cannot separate contributions from investment performance.
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