Maturity Value Calculator
Calculate the final value of your investment at maturity using compound interest
Calculate Maturity Value
The initial amount you invest
Annual percentage rate of return
Investment duration until maturity
How often interest is compounded
Maturity Value Results
Enter values to calculate
Fill in the principal, interest rate, and time period to see maturity value results
Investment Analysis
Example Calculation
Certificate of Deposit Example
Principal: $10,000
Annual Interest Rate: 4.5%
Time Period: 3 years
Compounding: Quarterly
Calculation
Maturity Value = Principal × (1 + r/n)^(n×t)
Maturity Value = $10,000 × (1 + 0.045/4)^(4×3)
Maturity Value = $10,000 × (1.01125)^12
Maturity Value = $11,432.74
Total Interest Earned = $1,432.74
Compounding Frequency Impact
Common Investment Types
Certificates of Deposit
- • Fixed interest rates
- • FDIC insured
- • Penalty for early withdrawal
- • Terms: 3 months to 5+ years
Bonds
- • Government or corporate
- • Fixed maturity dates
- • Interest paid periodically
- • Principal returned at maturity
Fixed Annuities
- • Guaranteed returns
- • Tax-deferred growth
- • Insurance company backing
- • Long-term investment
Tips for Maximizing Returns
What is Maturity Value?
Maturity value is the total amount you will receive when your investment reaches its maturity date. It includes your original principal plus all accumulated interest earned over the investment period through compound interest.
Investment Growth
Your money grows through compound interest, where you earn interest not only on your principal but also on previously earned interest, creating exponential growth over time.
Financial Planning
Understanding maturity value helps you plan for future financial goals, compare investment options, and make informed decisions about where to invest your money.
How to Calculate Maturity Value
Compound Interest Formula
Maturity Value = Principal × (1 + r/n)^(n×t)Where:
• Principal = Initial investment amount
• r = Annual interest rate (as decimal)
• n = Number of compounding periods per year
• t = Time in years
Step 1: Identify Principal
Determine the initial amount you're investing. This is your starting principal that will grow over time.
Step 2: Interest Rate
Find the annual interest rate and compounding frequency. More frequent compounding increases returns.
Step 3: Calculate
Apply the compound interest formula to determine your final maturity value at the end of the investment period.
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