Calculadora CAGR Online Grátis
Compound Annual Growth Rate and arithmetic mean return with visual growth comparison
Sobre Esta Calculadora
CAGR (Compound Annual Growth Rate) is the single most useful metric for comparing investment performance over time because it accounts for compounding. An investment that grows from $10,000 to $18,000 over 6 years has a CAGR of (18,000/10,000)^(1/6) − 1 = 10.3% per year — regardless of how volatile the path was.
The critical difference between CAGR and arithmetic mean: a fund that returns +50% in year 1 and −50% in year 2 has an arithmetic mean of 0% but a CAGR of −13.4%. A $10,000 investment becomes $15,000 after year 1 and then $7,500 after year 2. The arithmetic mean is misleading; CAGR correctly shows the outcome.
This is why CAGR is the industry standard for reporting fund performance. Arithmetic mean always overstates actual returns for volatile assets — the greater the volatility, the larger the overstatement.
Use case: comparing two funds over 10 years where Fund A grew $10,000 to $22,000 (CAGR 8.2%) and Fund B grew to $26,000 (CAGR 10.0%). The 1.8% CAGR difference seems small but means the difference between $22K and $26K over 10 years — and compounds to an $87,000 gap over 30 years on the same investment.
This calculator shows both CAGR and arithmetic mean side by side to make the discrepancy visible, along with a growth chart comparing the two returns over the full holding period.
Calcule retornos realistas nas flutuações das taxas compostas de crescimento.
Dicas
- CAGR is always lower than arithmetic mean for volatile investments — use CAGR for realistic projections.