CAGR calculator: total growth and yearly rate
CAGR math smooths growth into one yearly rate: 10,000 to 15,000 in 5 years is 50% total and 8.45% per year, every year the same. Total growth flatters, CAGR compares: same endpoint, very different paths, one number. This calculator is built for fast, private, offline use in your browser. Every formula runs locally and is verified against official sources. You enter the key numbers, see the result instantly and check the steps.
TL;DR
- Start value zero gives 0: no rate from nothing.
- Formulas: CAGR = (end÷start)^(1÷years) − 1 | total = end÷start − 1
- Example 1: 10,000 to 15,000 in 5 years — Total: 15,000÷10,000−1 = 50%
How it works
Total = end÷start − 1; CAGR = (end÷start)^(1÷years) − 1. Start value zero gives 0: no rate from nothing. Start with clean data, keep the same units and follow the order in the formula. The tool does the arithmetic, you choose rate, period or factor. A second example with different numbers shows how the result scales.
The math
10,000 to 15,000 in 5 years: total 15,000÷10,000−1=50%, CAGR 1.5^0.2−1=8.45% yearly. Same endpoint in 10 years: 1.5^0.1−1=4.14% yearly.
Geometric mean of yearly growth. Zero start means 0%.
Examples
Example 1: 10,000 to 15,000 in 5 years
- Total: 15,000÷10,000−1 = 50%
- CAGR: 1.5^0.2−1 = 8.45% yearly
- Same rate every year reproduces the endpoint
Example 2: same trip in 10 years
- Total: still 50%
- CAGR: 1.5^0.1−1 = 4.14% yearly
- Twice the time, half the rate needed
When to use it
✦ Investment comparison
Compare funds: 8.45% yearly beats a bumpy path to the same endpoint.
✦ Business growth
Revenue 10k to 15k in 5 years: quote 8.45% yearly, not 10% average.
⚠ Common mistakes
- Averaging yearly percents: (0+20+...)/n is not CAGR, compounding is geometric.
- Total as rate: 50% total over 5 years is 8.45% yearly, not 10%.
- Zero start: from 0 to anything the rate is undefined, shown as 0%.
FAQ (7)
10k to 15k in 5 years?
50% total, 8.45% CAGR yearly.
Same in 10 years?
Still 50% total, but 4.14% yearly.
CAGR vs average?
CAGR compounds geometrically; simple average overstates bumpy growth.
If I type my salary or prices here, do you store them?
No — and that's deliberate. Everything runs locally in your browser, nothing leaves your device. We don't see your net salary, your margins, or the VAT numbers you test. For a finance tool that matters: you can run a quick check on a payslip or an invoice while on public Wi-Fi and close the tab knowing no trace is kept server-side.
Can I use it on the train without signal to check an invoice?
Yes. Load the page once, then it works offline. VAT, discount and mortgage math are all pure JavaScript — no API call. I often test it in airplane mode: open the mortgage page, type 250,000 at 4.5% for 25 years, you get the schedule instantly, even in a tunnel.
Can I file taxes with these results?
Use it as a fast sanity check, not as the final filing. Formulas are standard (e.g. Net = Gross / 1+VAT) and verified against official sources listed at the bottom, but rates and thresholds change — Italy's 22% vs Germany's 19%, or IRPEF brackets. For the actual declaration, double-check with your accountant or Agenzia delle Entrate / HMRC / IRS.
How do I send a calculation to my accountant?
Hit 'Share Link' under the results. It encodes the inputs in the URL — e.g. ?price=1200&vat=22 — so your accountant opens the exact same view, no screenshot needed. You can also copy the result with one tap and paste it into an email.
Sources & References
⚠ Financial Disclaimer
This tool provides estimates for informational purposes only and does not constitute financial, tax, or legal advice. Results may vary based on local regulations, rates, and individual circumstances. Always consult a qualified professional before making financial decisions.
How this calculator is maintained
This calculator is written and maintained by Davide Coronese, independent developer and founder of CalcTracker.
Methodology: every formula is checked against official publications and validated by an automated test suite before release. Health, tax and finance pages cite the exact sources they rely on.
Found an error? Contact us — verified corrections ship within 24 hours.