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Interest Rate Calculator
Work backwards from a starting amount and a final amount to the annual compound rate that connects them.
Derive the compound annual growth rate (CAGR) from principal and future value.
Free to run · to save projections to your live dashboard
Enter values and click Calculate to see results
Worked example
Calculated by the same engine as the calculator above.
- Inputs
- Principal
- ₹1,00,000
- Future Value
- ₹1,50,000
- Time (Years)
- 5
- Result
- Compound Annual Rate (CAGR)
- 8.45%
Formula
r = (FV / P)^(1 / t) - 1
- r = compound annual rate
- FV = future value
- P = principal
- t = time in years
Assumptions
- Assumes annual compounding with no extra deposits or withdrawals.
- Returns 0% if principal or time is zero or negative, and -100% if the future value is 0.
- The rate is rounded to four decimal places.
- Educational estimate only, not financial advice. Capitallytics does not execute transactions.
Interest Rate Calculator FAQ
Answers about how this calculator works.
Is this the same as CAGR?
Yes, the maths is identical. It is framed for loans and deposits, where you know the start and end amounts and want the implied rate.
Can I use it to check a deposit or bond offer?
Yes. Enter what you pay now and what you will receive at maturity to see the implied annual compound rate.
Does it work when money is added along the way?
No. With multiple deposits or withdrawals on different dates, use the XIRR calculator.
Why do I get a negative rate?
A future value below the principal means the money shrank, so the implied annual rate is negative.