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Mutual fund calculators · Comparable fund endpoints

Mutual Fund CAGR Calculator

Created by Arunangshu DasReviewed

Calculate the equivalent annual growth between two comparable mutual fund values.

Choose raw NAV for price change or supplied reinvestment-adjusted values for growth with distributions already reflected.

Preparing calculator…

CAGR values and actions

Your values

Use one currency throughout. Enter ungrouped decimals with a point, such as 10000.50. No values are sent or saved.

Formatting only. This does not convert currencies or fetch exchange rates.

Match the share class, scale and currency. Adjusted values must already include reinvestment. Changing the basis clears both values.

This model assumes no external cash flows between the two valuations. Check the box if that assumption is false.

Use Mutual Fund XIRR for dated cash flows

Annualized result

Enter the two values and duration, or load the verified worked example.

Calculations use 50 significant decimal digits; only display values are rounded. Tiny nonzero rates retain extra digits or scientific notation. A near-total decline is shown as greater than −100% rather than a false total loss.

Understand what drives the projection

See how endpoint basis and the length of the holding period affect the result.

Read the complete Mutual Fund CAGR guide

Formula and methodology

CAGR = (ending value ÷ beginning value)^(1 / model years) − 1.

Divide ending value E by opening value B to get the growth factor. For a horizon T in years, CAGR = (E/B)^(1/T) − 1. Holding-period change is E/B − 1 and the signed value change is E − B.

Definitions

Mutual fund CAGR is the constant annual equivalent of growth between two comparable values. Raw NAV is a per-unit price basis. Adjusted monetary endpoints can reflect reinvested distributions if that adjustment is already present.

Verified worked examples

Comparable reinvestment-adjusted values of 10,000 and 12,100 over two years give a 1.21 growth factor, 21% total change and 10% CAGR. An ending value of 8,100 instead gives −19% total change and −10% CAGR.

Interpretation

The annualized rate describes the endpoints over the supplied horizon. It does not show the path, volatility, interim drawdown or what happened in a specific year. Under a raw NAV basis, the result is price change per unit.

Inputs and interpretation

Choose the basis and enter the two monetary values for the same share class, currency and scale. Choose years or equal months and enter duration. Changing the basis clears both values. Changing the duration unit clears the duration.

Assumptions and limitations

Use comparable endpoints with no intervening external cash flows. For personal return with dated purchases, redemptions or cash distributions use Mutual Fund XIRR. Equal months use 12 per year with no calendar-day convention.

Supported domain and common mistakes

Opening value must be from 10^−12 to 10^30. Ending value may also be zero. Duration must equal 0.01 to 1,000 years. Inputs support up to 12 decimal places. The engine uses 50 significant digits and rejects unsupported annualized values above its 10^10 annual-factor bound or too close to −100% to classify reliably.

Do not mix raw and adjusted values, unit scales, currencies or share classes. Do not add distributions to values that already reflect them. Sub-year annualization is a mathematical extrapolation.

Frequently asked questions

How do I calculate mutual fund CAGR?
Divide the comparable ending value by the beginning value, raise the ratio to one over the holding period in years, and subtract one. Multiply by 100 to express it as a percentage.
Is CAGR from NAV a total return?
Raw NAV CAGR measures change in NAV per unit. For growth including reinvested distributions, supply comparable monetary values that already reflect reinvestment.
Can I calculate CAGR for several SIP purchases?
Endpoint CAGR does not account for when new money entered. Use Mutual Fund XIRR for purchases and receipts on different dates.
What if the value falls to zero?
An exact zero ending value from a positive opening value gives −100% under this model. A positive ending amount is distinct from complete loss.
How do I enter six months?
Choose months and enter 6. The model uses 6/12 years. A rate annualized from a sub-year change can magnify that change.
Can I compare values in different currencies?
Use comparable values in one currency. The selector changes formatting and does not apply exchange rates.

Sources and educational scope

Educational endpoint calculation. It does not infer distributions, fees, tax, dates, FX or a regulated performance figure. It does not provide investment advice or predict returns.

Reviewed . AI-assisted content under operator editorial responsibility. No independent expert financial review is claimed.

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