Investing
CAGR and ROI calculator
Calculate compound annual growth and total return from starting and ending values, or solve for a future value, present value or investment duration.
Content updated . Assumptions reviewed .
Your inputs
Showing the example. Edit your inputs, then calculate.
Compound annual growth rate
7.18 %
Compound annual growth rate from the starting and ending values; interim cash flows are excluded.
- Total Return
- 100
- Absolute Gain
- 10,000
Illustrative result from your inputs and the dated assumptions shown; not a forecast, recommendation or offer
KlarFort is not financial, investment, tax, or legal advice. Verify outputs before making material decisions. Read the disclaimer.
Personal and commercial use is free with credit to KlarFort. See usage and credit.
About this calculator
Measure the annualized growth between a starting and ending value over a chosen number of years. CAGR means compound annual growth rate; total return measures the overall percentage change for the full period.
Reverse calculations let you enter an assumed growth rate to find a future value, the starting amount required or the years needed to reach a target. These calculations exclude intermediate deposits and withdrawals.
How to use this calculator
- Choose whether to calculate a growth rate, future value, present value or duration.
- For a growth rate, enter the starting value, ending value and number of years.
- For a reverse calculation, enter the known value, assumed annual growth rate and either the time or target.
- Calculate and check the result unit. Growth is a percentage, duration is in years and value modes use your currency.
Understand your result
CAGR is the constant annual rate that connects the two values. Total return reports the full-period gain or loss without annualizing it. Neither describes the path taken between those values.
An unavailable duration means the entered rate cannot reach the target in a nonnegative number of years. A zero rate reaches only an unchanged target.
Questions about this calculator
How is CAGR different from total ROI?
CAGR annualizes compound growth over the entered years. The total return shown here is the ending value divided by the starting value, minus one, without adjusting for interim cash flows or transaction fees.
Can I use CAGR when I made extra deposits?
Not as a cash-flow-adjusted performance measure. Deposits and withdrawals change the ending value but are excluded here. Use values without interim cash flows, or interpret the result only as growth between the two balances.
Can the calculator handle losses?
Yes. A positive starting value and a lower nonnegative ending value produce negative total and annualized returns. An ending value of zero represents a complete loss and produces a negative 100% CAGR.
Where do my figures go?
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How can I reproduce this result?
Use the same inputs and assumptions shown here. Simulation seeds reproduce the same paths. Read the calculation documentation.
Your calculation table
No scheduled rows for these inputs.
Citable worked example
Compound annual growth rates for ending-value multiples from 0.5 to 5 over holding periods of 1, 3, 5, 10 and 20 years. The rows compare total return with annualized compound return; they are arithmetic examples, not market return forecasts. The table contains 30 rows and is available as CSV and JSON. Formula and assumptions reviewed 2026-09-07.
These are fixed public examples. Your calculation above does not change this table.
View all 30 rows
| Ending Value Multiple | Holding Years | Total Return Percent | Compound Annual Return Percent |
|---|---|---|---|
| 0.5 | 1 | -50 | -50 |
| 0.5 | 3 | -50 | -20.6299 |
| 0.5 | 5 | -50 | -12.9449 |
| 0.5 | 10 | -50 | -6.6967 |
| 0.5 | 20 | -50 | -3.4064 |
| 1 | 1 | 0 | 0 |
| 1 | 3 | 0 | 0 |
| 1 | 5 | 0 | 0 |
| 1 | 10 | 0 | 0 |
| 1 | 20 | 0 | 0 |
| 1.5 | 1 | 50 | 50 |
| 1.5 | 3 | 50 | 14.4714 |
| 1.5 | 5 | 50 | 8.4472 |
| 1.5 | 10 | 50 | 4.138 |
| 1.5 | 20 | 50 | 2.048 |
| 2 | 1 | 100 | 100 |
| 2 | 3 | 100 | 25.9921 |
| 2 | 5 | 100 | 14.8698 |
| 2 | 10 | 100 | 7.1773 |
| 2 | 20 | 100 | 3.5265 |
| 3 | 1 | 200 | 200 |
| 3 | 3 | 200 | 44.225 |
| 3 | 5 | 200 | 24.5731 |
| 3 | 10 | 200 | 11.6123 |
| 3 | 20 | 200 | 5.6467 |
| 5 | 1 | 400 | 400 |
| 5 | 3 | 400 | 70.9976 |
| 5 | 5 | 400 | 37.973 |
| 5 | 10 | 400 | 17.4619 |
| 5 | 20 | 400 | 8.3798 |
Computed with KlarFort Calculators, https://klarfort.com/
Calculator reference: https://klarfort.com/tools/cagr-calculator/. Usage and credit.
Formula and assumptions
CAGR = (end/start)^(1/years) − 1; total return = end/start − 1. Reverse modes use end = start × (1 + annual growth)^years.
- Interim deposits, withdrawals and transaction fees are excluded. CAGR requires a positive start and a nonnegative end. Duration requires positive start and end and a growth direction capable of reaching the target.
Assumptions reviewed:
Sources
- KlarFort calculation methodology. Free to use with the credit line; vintage 1.
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