CAGR Calculator

10 Years of Nifty, Gold & Sector Returns

Which Asset Won Each Year?

Explore 10 years of asset performance. Hover to trace an asset's journey, click to pin and see detailed stats.

Assets

FY17

FY18

FY19

FY20

FY21

FY22

FY23

FY24

FY25

FY26

10Y CAGR

Volatility

Small 250+40.6%

Nasdaq+17.8%

Nasdaq+22.9%

Gold+32.5%

Small 250+118.7%

Small 250+37.0%

Gold+12.7%

Small 250+64.1%

Gold+32.3%

Gold+58.9%

Nasdaq+21.0%

60/4010.9%

Mid 150+37.2%

Mid 150+16.7%

Nifty 50+16.4%

Nasdaq+7.9%

Mid 150+101.6%

Mid 150+25.0%

60/40+4.7%

Mid 150+57.5%

60/40+16.8%

Nasdaq+35.2%

Mid 150+17.5%

60/20/2011.3%

Nifty 500+25.5%

Nifty 500+14.3%

Nifty 100+14.0%

60/40-5.6%

Nifty 500+77.6%

Nifty 500+22.3%

Mid 150+2.8%

Nifty 500+40.5%

60/20/20+12.5%

60/40+19.0%

Gold+17.3%

80/2013.0%

Nifty 100+22.6%

80/10/10+14.0%

60/20/20+11.4%

60/20/20-9.8%

Nifty 50+72.5%

80/20+21.7%

80/20+1.8%

80/10/10+37.7%

80/20+11.6%

60/20/20+15.3%

60/20/20+16.5%

80/10/1013.4%

80/10/10+22.4%

60/20/20+13.6%

80/10/10+10.2%

80/20-16.7%

Nifty 100+71.2%

80/10/10+21.1%

60/20/20+1.1%

Nasdaq+37.2%

80/10/10+9.5%

80/20+7.6%

60/40+15.7%

Gold14.0%

Nasdaq+20.4%

Small 250+12.9%

Nifty 500+8.8%

80/10/10-18.6%

Nasdaq+68.5%

60/40+21.0%

Nifty 50+0.6%

80/20+35.3%

Nasdaq+9.0%

80/10/10+5.9%

80/10/10+15.1%

Nifty 5016.2%

Nifty 50+20.2%

80/20+12.8%

80/20+8.2%

Nifty 100-24.9%

80/10/10+68.4%

Nifty 100+20.6%

80/10/10+0.0%

Nifty 100+34.8%

Mid 150+8.2%

Mid 150+2.3%

80/20+14.8%

Nifty 10016.2%

80/20+20.0%

Nifty 100+12.2%

60/40+7.5%

Nifty 50-25.0%

80/20+61.0%

Nifty 50+20.3%

Nifty 500-1.2%

60/20/20+34.8%

Nifty 50+6.7%

Nifty 500-2.9%

Small 250+14.5%

Nifty 50016.2%

60/20/20+19.2%

Nifty 50+11.8%

Gold+4.0%

Nifty 500-26.9%

60/20/20+59.5%

60/20/20+19.9%

Nifty 100-1.6%

60/40+30.2%

Nifty 500+6.4%

Nifty 100-3.9%

Nifty 500+13.5%

Mid 15017.6%

#10

60/40+14.6%

60/40+11.3%

Mid 150-0.6%

Mid 150-30.1%

60/40+45.6%

Gold+17.6%

Small 250-6.0%

Nifty 50+30.1%

Nifty 100+6.1%

Nifty 50-4.0%

Nifty 100+12.6%

Small 25019.2%

#11

Gold-0.7%

Gold+6.5%

Small 250-12.4%

Small 250-40.2%

Gold+5.3%

Nasdaq+12.1%

Nasdaq-6.1%

Gold+14.9%

Small 250+6.0%

Small 250-4.9%

Nifty 50+12.5%

Nasdaq21.6%

Hover to highlightClick to pin+% = Positive Return-% = Negative Return

How to Use the CAGR Calculator

Calculate your annualized returns in 5 simple steps

Enter Initial Investment

Input the amount you invested at the start

Enter Final Investment Value

Input the current value of your investment today

Enter Duration in Years

Specify how long you held the investment

Click Calculate

Get your CAGR percentage instantly

Review Tax Impact

Use our tax calculator to see post-tax returns

Launch Calculator

Why Calculate CAGR?

Make smarter investment decisions

Standardized Metric

CAGR removes volatility and shows your true compounded growth rate, making it easier to compare investments fairly.

Investment Comparison

Compare mutual funds, stocks, or any two investments on an equal footing using CAGR over the same period.

Real Performance Assessment

CAGR accounts for time value of money, unlike absolute returns, giving you the true picture of growth.

Tax Planning

Understand how taxes reduce your CAGR and plan for real after-tax wealth creation.

Goal Setting

Use historical CAGR to project future corpus and set realistic investment goals.

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Understanding CAGR: The Complete Guide

What is CAGR?

CAGR stands for Compound Annual Growth Rate. It is the annualized percentage return of an investment over a specified time period, assuming the profits are reinvested at the end of each year. Unlike simple or absolute returns, CAGR accounts for the compounding effect and neutralizes the impact of volatility.

Think of CAGR as a smoothed out annual return. IF your investment grew from ₹1,00,000 to ₹2,00,000 over 5 years, your absolute return is 100%. But your CAGR tells you that your investment grew at approximately 14.87% per year.

CAGR Formula Explained

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

Ending Value: The final value of your investment today. Beginning Value: The initial amount you invested. Number of Years: The total duration you held the investment.

CAGR vs Absolute Returns

Absolute returns show the total profit percentage, but they do not account for time. CAGR solves this by showing the geometric mean of annual returns, which is more accurate than simple average for investments.

SIP CAGR vs Lumpsum CAGR

SIP CAGR and lumpsum CAGR are calculated differently because money enters the investment at different times. With a lumpsum CAGR, you invest the entire amount on Day 1. With a SIP CAGR, you invest a fixed amount monthly. Therefore, SIP CAGR will typically be lower than lumpsum CAGR for the same underlying returns.

Mutual Fund CAGR Explained

When a mutual fund states 3-year CAGR 12%, it means the fund grew at 12% compounded annually over the last 3 years. This figure includes all dividends reinvested and expense ratios deducted. When comparing mutual funds, always compare CAGR over the same period.

Why Real Returns (Post-Tax, Post-Inflation) Matter

A 12% CAGR sounds excellent. But IF you pay 30% tax on those gains, your after-tax CAGR becomes roughly 8.4%. And IF inflation is running at 6%, your real CAGR shrinks to just 2.4%. This is Novelty Wealth's competitive edge: we show you real returns, not nominal returns. How much purchasing power did you actually gain?

CAGR for Lumpsum Investments

Lumpsum CAGR is the simplest form of CAGR calculation. You invest a fixed amount once, and it grows over time. Lumpsum investments work best when you have a large corpus to deploy and believe the market is attractively valued.

Related Calculators

Explore more tools to optimize your investments

SIP Calculator

Calculate wealth accumulation through systematic monthly investments

Tax Regime Calculator

Compare Old vs New tax regimes and optimize your CAGR

Lumpsum Calculator

Model one-time investments and their long-term growth

Frequently Asked Questions

A CAGR of 12-15% for equity mutual funds is considered healthy over 5-10 year periods. For fixed deposits, 5-6% is typical. However, what matters is your personal goal and time horizon. IF you need 12% CAGR to meet your retirement goal, then anything below is insufficient.

Average annual return is the arithmetic mean of yearly returns. CAGR is the geometric mean. CAGR is more accurate because it accounts for compounding.

Yes. IF your investment declined in value over the period, your CAGR will be negative. For example, IF you invested ₹1,00,000 and it fell to ₹80,000 over 5 years, your CAGR is negative 4.66%.

SIP CAGR is more complex than lumpsum CAGR. Use our SIP CAGR calculator, which uses the XIRR formula to account for irregular cash flows.

Mutual fund CAGR already deducts expense ratios (management fees). But CAGR does NOT deduct income tax or transaction charges. Use our tax calculator to model post-tax returns.

CAGR is designed for longer holding periods (3+ years). For short-term investments (days to weeks), use simple return calculations instead.

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