CAGR Calculator
You cannot just divide total growth by the number of years — growth compounds, so the annual rate needs a root, not a division.
Your numbers
CAGR
19.14%
Total growth
140%
Formula
CAGR = ((After ÷ Before) ^ (1 ÷ Years) − 1) × 100
140% over five years is 19.14% a year, not 28%. Dividing overstates the yearly rate.
What to enter
| Input | Default | Accepted range |
|---|---|---|
| BeforeThe starting value — it goes in the denominator. | 10,000,000 | 0 and up |
| AfterThe value you ended up with. | 24,000,000 | 0 and up |
| Years (yr)How many years the money stays put; compounding bites harder as this grows. | 5 | 0.1 and up |
Step by step
Quick reference table
Results when only Before changes and everything else stays put.
| Before | CAGR (%) | Total growth (%) |
|---|---|---|
| 5,000,000 | 36.85 | 380 |
| 7,500,000 | 26.19 | 220 |
| 10,000,000 | 19.14 | 140 |
| 15,000,000 | 9.86 | 60 |
| 20,000,000 | 3.71 | 20 |
What each result means
| Result | At default values |
|---|---|
| CAGR (%)Multi-year growth flattened into one yearly average. | 19.14 |
| Total growth (%)How much it grew across the whole period, as a percentage. | 140 |
Common mistakes
140% over five years is 19.14% a year, not 28%. Dividing overstates the yearly rate.
Glossary
- Before
- The starting value — it goes in the denominator.
- After
- The value you ended up with.
- Years
- How many years the money stays put; compounding bites harder as this grows.
- CAGR
- Multi-year growth flattened into one yearly average.
- Total growth
- How much it grew across the whole period, as a percentage.
Frequently asked questions
Q. How is CAGR Calculator calculated?
CAGR = ((After ÷ Before) ^ (1 ÷ Years) − 1) × 100 — You cannot just divide total growth by the number of years — growth compounds, so the annual rate needs a root, not a division.
Q. Can you walk through an example?
With Before 10,000,000, After 24,000,000, Years 5yr, the answer is CAGR 19.14%.
Q. What do I need to enter?
Enter Before, After, Years. The result recalculates as you type, and an empty box counts as zero.
Q. How much does the answer move if I change a number?
Changing only Before moves the answer to Before 5,000,000 → CAGR (%) 36.85 and Before 20,000,000 → CAGR (%) 3.71. The table below lays out five steps.
Q. How are the numbers rounded?
Money is shown to the nearest whole unit, percentages to one decimal place and everything else to two. What you see is rounded; the calculation itself carries the unrounded value forward.
Q. Anything to watch out for?
140% over five years is 19.14% a year, not 28%. Dividing overstates the yearly rate.
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