wontools
한국어English

Compound Annual Growth Rate (CAGR) Calculator

What is your return on an annual basis?

Enter beginning and ending values and a duration to find the equivalent constant annual growth rate.

Calculation inputs

Use this for periods with no deposits or withdrawals. Both amounts must use the same currency and unit.

Enter up to 12 integer digits and 8 decimal places. An ending value of zero is supported.

Holding period

From 1 month to 100 years. Enter 0–11 in the months field.

Calculation result

Enter beginning and ending values and a duration to see your result.

The shared URL contains your entered amounts and duration.

Explore a different calculation

Estimate a future value using an assumed return → Calculate trade profit/loss including costs →Calculate KRW return →

How is CAGR calculated?

CAGR is the constant annual compound rate that connects a beginning value to an ending value. It can describe investment returns or growth in comparable values.

CAGR = ((ending value / beginning value)^(1 / years) − 1) × 100%

Duration is years + months / 12. Cumulative return is (ending / beginning − 1) × 100%; value change is ending minus beginning.

Reference: SEC annual compounded return formula

A 33.1% gain over 3 years means 10% a year

For example, KRW 10,000,000 grows to KRW 13,310,000 in 3 years. Since 1,000 × 1.1 × 1.1 × 1.1 = 1,331, CAGR is 10%, cumulative return is 33.1%, and the gain is KRW 3,310,000.

This differs from dividing 33.1% by 3 to get 11.0333%. CAGR accounts for compounding across periods.

How to interpret the result

What if I added or withdrew money?
Your ending value includes cash flows as well as investment performance. This calculator cannot measure your personal return in that case; a cash-flow-aware calculation is needed.
Can it calculate losses or a total loss?
Yes. If 100 becomes 81 after 2 years, annualized return is −10% and cumulative return is −19%. If the ending value is zero, both are −100%. A zero beginning value or negative values are not supported.
Does it include dividends, taxes, fees or exchange rates?
These are not added or deducted separately. Results depend on what your two values include, and both must use the same currency. Simply adding interim cash dividends to the ending value does not establish an accurate total return.
Does this mean the return was identical every year?
No. Two values cannot show interim fluctuations or risk. Different return paths can have the same CAGR.

2026-10-28 · Added CAGR calculation with years/months, cumulative return and URL sharing.