Investment Return Calculator (CAGR)
Find out how well an investment actually performed. Enter what you put in, what it is worth now and how long you held it.
Updated
For information only — not financial, tax or legal advice. Verify rates and figures with your bank, FBR or another official source before making decisions.
Formula
Total return % = (Final − Initial) ÷ Initial × 100
CAGR = (Final ÷ Initial)^(1 ÷ Years) − 1
CAGR (compound annual growth rate) is the steady yearly rate that would turn the initial amount into the final amount. It lets you compare investments held for different periods.
Examples
Rs 5 lakh → Rs 7.5 lakh in 3 years
Total return 50% · Annualised (CAGR) 14.47%
Rs 10 lakh → Rs 25 lakh in 7 years
Total return 150% · Annualised (CAGR) 13.99%
Rs 2 lakh → Rs 1.6 lakh in 2 years
Total return -20% · Annualised (CAGR) -10.56%
Important information
- Include dividends or rent received in the final value for a total return.
- Compare your CAGR with inflation to see your real return.
Frequently asked questions
What is CAGR?
Compound annual growth rate — the average yearly growth rate assuming profits are reinvested.
Why is CAGR lower than total return divided by years?
Because of compounding: 50% over 3 years is about 14.5% a year, not 16.7%.
Can I use this for property or gold?
Yes — any asset with a buy value, current value and holding period.
What about money added during the period?
This calculator assumes a single investment. For regular monthly investing, use the savings calculator.
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