Compounding calculator
A monthly return compounded, with uneven months.
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CAGR calculator
The steady yearly rate that turns a start value into an end value, and how long it takes to double.
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Start, end and years
The yearly rate
From 10,000 to 15,000 in 5 years is +8.45% a year, compounded (+50.00% in all).
- Time to double
- About 8.5 years at this rate. The rule of 72 says 8.5.
- Plain average
- +10.00% a year: the total split evenly, which overstates the yearly rate because each year builds on the last.
The value each year at the same steady rate.
| Year | Value |
|---|---|
| 1 | 10,844.72 |
| 2 | 11,760.79 |
| 3 | 12,754.25 |
| 4 | 13,831.62 |
| 5 | 15,000 |
Education only, not investment advice. The answer comes from the numbers you typed in, not from your account or the market. Simulated results are hypothetical and have limits: real trading has slippage, gaps, changing results and emotions. Trading leveraged products can lose money quickly, including all of it. Risk warning
Educational only, not financial advice; trading involves risk.
Why the yearly rate is less than the total split by years
An account that goes from 10,000 to 15,000 in five years has grown 50%, but not 10% a year. Each year's gain builds on the last, so a steady 8.45% a year is enough. Compare results over different lengths of time with this rate, not with the total, and be wary of any figure that quotes the total as if it came every year.
To grow a balance forward month by month, use the compounding calculator; for the change between two numbers, the percentage change calculator.
Not advice. Arithmetic on the numbers you type; a past rate says nothing about the next years.
Next tools
Percentage change calculator
A rise or fall in percent, and the change back.
APR and APY calculator
A simple yearly rate against the rate with compounding.
Pricing
Three ways in. Pick yours.
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Baroq never holds your money and never trades for you. Educational only, not financial advice; trading involves risk.