How do you use the CAGR calculator?
- Pick what to find: the yearly growth rate between two values, or the value after some years at a given rate.
- Enter the starting value, such as the price you paid, and either the value now or the growth rate. Enter the number of years; part years such as 2.5 work.
- Read the CAGR or the future value, and the same growth after inflation.
What is CAGR?
CAGR, the compound annual growth rate, is the steady yearly rate that would turn a starting value into an ending value over a number of years. It smooths out good and bad years into one figure, which makes it easy to compare a flat bought in 2018 with one bought in 2022, or a flat with an FD.
CAGR looks only at the start and end values. For a rented flat, it leaves out the rent, stamp duty and registration, and selling costs. To count those, use the inflation-adjusted property returns calculator, which works out the full yearly return.
The CAGR formulas
(End value ÷ start value)^(1 ÷ years) − 1Start value × (1 + CAGR)^years(1 + CAGR) ÷ (1 + inflation) − 1ln 2 ÷ ln(1 + CAGR)Worked example: ₹ 50 lakh flat now worth ₹ 90 lakh after 8 years
₹ 90 lakh ÷ ₹ 50 lakh is 1.8. The eighth root of 1.8 is about 1.0762, so the CAGR is 7.62% a year. After 5% inflation, that is 2.50% a year, and the ₹ 90 lakh is worth ₹ 60,91,554 in today’s money.
Worked example: what ₹ 50 lakh becomes at 7% a year
Over 10 years at 7%, ₹ 50 lakh grows to ₹ 98,35,757, 1.97 times the start. A flat bought for ₹ 60 lakh and sold for ₹ 50 lakh after 4 years has a CAGR of −4.46%.
CAGR for some example prices
| Bought for | Worth now | Years | CAGR | After inflation |
|---|---|---|---|---|
| ₹ 25,00,000 | ₹ 40,00,000 | 5 | 9.86% | 4.62% |
| ₹ 50,00,000 | ₹ 90,00,000 | 8 | 7.62% | 2.50% |
| ₹ 80,00,000 | ₹ 1,20,00,000 | 6 | 6.99% | 1.90% |
| ₹ 1,00,00,000 | ₹ 1,40,00,000 | 10 | 3.42% | −1.50% |
What should you keep in mind?
- CAGR hides the path. Two flats with the same CAGR may have had very different ups and downs.
- For property, use the same basis at both ends: agreement price against a realistic sale price, not a listing price.
- Gains on sale are taxed; check yours with your Chartered Accountant before you sell.
Frequently asked questions
Related answers and guides
- Assess Builder Track Record: Bengaluru Diligence Guide
- Prepay Your Home Loan or Invest the Surplus?
- Is It a Good Time to Buy Property in Bengaluru? 2026 Data
- Bengaluru House Price Trends: RBI & NHB Data
Sources
- Standard compound growth formulas. Values, years and inflation are your inputs, not forecasts. Checked 19 Oct 2026.
Indicative only. Verify any tax effect with your Chartered Accountant before acting.
Buying a home in Bengaluru? Talk to an acre&key advisor.