Can I use CAGR for monthly investments?

CAGR assumes one starting amount and one ending amount. For regular deposits use the monthly investment calculator, or XIRR, which accounts for the date of each cash flow.

What is the difference between CAGR and XIRR?

CAGR works with a single start and end value. XIRR handles several deposits and withdrawals on different dates.

Can I calculate CAGR for less than a year?

Yes, by entering the period as a fraction of a year, but annualising a short period can exaggerate the result.

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What is CAGR? How to calculate it with examples

30 Oct 2026, 9:00 am UTC

What is CAGR?

CAGR (compound annual growth rate) is the steady yearly rate that would take an investment from its starting value to its ending value. It smooths out the ups and downs, so you can compare investments held for different periods.

What is the CAGR formula?

CAGR = (Ending value ÷ Starting value)^(1 ÷ years) − 1.

In Excel or Google Sheets, use =(End/Start)^(1/Years)-1, or =RRI(Years, Start, End).

What is CAGR? How to calculate it with examples

What is CAGR?

What is the CAGR formula?

CAGR example

Is CAGR the same as average return?

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Is my CAGR good enough?

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