CAGR AND XIRR CALCULATOR

Compare CAGR and XIRR for simple growth journeys and irregular dated cash flows in one return-analysis workspace.

Return analytics

CAGR

Compound annual growth rate shows the steady annualized return between a starting value and an ending value across a fixed holding period.

Beginning value₹2,50,000

Ending value₹5,40,000

Holding period5 years

Annualized growth rate16.65%

Absolute gain₹2,90,000

Ending multiple2.16x

Start value₹2,50,000

End value₹5,40,000

Growth bridge

Start, gain, and final wealth

Start value₹2.5L

Wealth created₹2.9L

End value₹5.4L

Specific Tool Notes: Switch between CAGR, XIRR, and a comparison tab. Enter opening and closing values for CAGR, or add multiple dated cash flows and a final value for XIRR.

FAQ

Common questions, clean answers

When should I use CAGR instead of XIRR?

Use CAGR when you only need a beginning value, ending value, and time period. Use XIRR when investments or withdrawals happen on multiple dates.

Why can XIRR differ from CAGR for the same portfolio?

XIRR reflects the timing of each cash flow, so money added earlier or later changes the effective annualized return in a way CAGR does not capture.