复合年增长率（CAGR）计算器

分类： Uncategorized
- August 31, 2026
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Calculate the Compound Annual Growth Rate (CAGR) to measure the mean annual growth rate of an investment over a specified time period longer than one year

Investment Parameters

$
$

CAGR Results

Compound Annual Growth Rate (CAGR)
14.87%
Average annual growth rate over 5 years
Total Return
100.00%
Overall growth over the entire period
Final Value
$20,000.00
Final investment value
Inflation-Adjusted CAGR
12.07%
Real growth rate after inflation
After-Tax CAGR
11.90%
Growth rate after estimated taxes
Compared to Benchmark
+7.87%
Outperforming S&P 500 by 7.87%

Growth Visualization

Comparative Analysis

Investment Scenarios

Required Growth Rate

To Double Investment 5.0 years
To Triple Investment 7.9 years
To Reach 10x 15.8 years

Based on your current CAGR of 14.87%, this shows how long it would take to multiply your initial investment.

Future Value Projection

In 5 years $20,000.00
In 10 years $40,000.00
In 20 years $160,000.00

Projected future value of your initial investment if the current CAGR continues.

Rule of 72 Analysis

Years to Double 4.8 years
Required Rate to Double in 3 Years 24.0%
Required Rate to Double in 5 Years 14.4%

The Rule of 72 provides a quick estimate of how long it takes to double your money at a given interest rate.

Understanding CAGR (Compound Annual Growth Rate)

CAGR measures the mean annual growth rate of an investment over a specified time period longer than one year. It represents one of the most accurate ways to calculate and determine returns for anything that can rise or fall in value over time.

What CAGR Tells You

  • Smoothed Rate: CAGR smooths out investment returns so that they may be more easily understood compared to alternative metrics.
  • Actual Reality: Returns on investments rarely experience steady growth year to year. The real performance of most investments is uneven over time.
  • Comparison Tool: CAGR can be used to compare investments with different time horizons or to benchmark an investment against alternative opportunities.
  • Not Volatility Sensitive: CAGR does not account for investment risk or volatility, which can vary significantly between different investments.

CAGR Limitations

  • Ignores Volatility: CAGR calculation doesn't reflect the volatility of an investment, which is an important factor in assessing risk.
  • Assumes Reinvestment: The formula assumes that all returns are reinvested at the end of each period.
  • Past Performance: CAGR based on historical data doesn't guarantee future results.
  • No Cash Flows: The basic CAGR calculation doesn't account for additional deposits or withdrawals during the investment period.

CAGR Formula

The Compound Annual Growth Rate (CAGR) is calculated using the formula:

CAGR = (Final Value / Initial Value)^(1 / number of years) - 1

This formula represents the year-over-year growth rate of an investment over a specified time period.

Common Applications of CAGR

Portfolio Performance

Measure and compare the performance of different investment portfolios over time to make informed decisions.

Market Analysis

Compare growth rates of different markets, sectors, or indices to identify trends and opportunities.

Business Growth

Evaluate the growth rate of business metrics like revenue, profit, or customer base to assess performance.

Financial Planning

Project future values of investments to plan for financial goals like retirement or education funding.

本工具计算什么

复合年增长率——两个数值之间平滑后的年度增长率。

公式
CAGR =（期末 ÷ 期初）^（1 ÷ 年数）− 1
计算示例
5 年间由 100,000 增至 180,000，即（1.8）^(1/5) − 1 ≈ 每年 12.5%。
何时使用
把持有年期不同的投资放在同一基础上比较。
常见错误
CAGR 完全隐藏过程。两项 CAGR 相同的投资，期间回撤可以差天共地。