{"id":215,"date":"2025-05-09T15:42:59","date_gmt":"2025-05-09T12:42:59","guid":{"rendered":"http:\/\/wpcalc.com\/?p=215"},"modified":"2026-09-30T19:53:12","modified_gmt":"2026-09-30T16:53:12","slug":"maturity-value","status":"publish","type":"post","link":"https:\/\/wpcalc.com\/en\/finance\/maturity-value\/","title":{"rendered":"Maturity Value Calculator"},"content":{"rendered":"<section class=\"not-prose calculator-box\" aria-labelledby=\"calculator-title\"><div class=\"flex items-baseline sm:items-center justify-between gap-2 sm:gap-3\"><div class=\"flex flex-col sm:flex-row sm:items-center gap-2\"><span class=\"icon icon-calculator text-primary-700! text-base! dark:text-primary-300!\" aria-hidden=\"true\"><\/span><h2 id=\"calculator-title\" class=\"text-lg font-display font-bold\">Calculate the Final Maturity Value of Your Investment<\/h2><\/div><div class=\"calcdash-favorite group\">\n  <button type=\"button\" class=\"favorite\" id=\"favorite\" data-favorite-id=\"215\" data-favorite-title=\"Maturity Value\" data-favorite-url=\"https:\/\/wpcalc.com\/en\/finance\/maturity-value\/\" data-favorite-excerpt=\"Calculate the maturity value of an investment using compound interest. Enter the principal amount, annual interest rate, and number of years to see the final value at maturity.\" aria-label=\"Add to Favorites\" data-favorite-icon=\"icon icon-rate-up\">\n    <span class=\"icon icon-shape-star-empty\" aria-hidden=\"true\"><\/span>\n  <\/button>\n  <div class=\"calcdash-favorite__tip\" aria-hidden=\"true\">\n   <span class=\"favorite-tooltip\" id=\"favorite-tooltip\"><\/span>\n  <\/div>\n  <span class=\"sr-only\" role=\"status\" id=\"favorite-status\"><\/span>\n<\/div><\/div><form action=\"https:\/\/wpcalc.com\/en\/finance\/maturity-value\/\" method=\"POST\" class=\"calculator\" id=\"calculator-215\" data-post=\"215\"><fieldset class=\"fieldset-input\"><legend class=\"sr-only\">Input Fields<\/legend><div class=\"field has-term\" id=\"input-1\"><label for=\"field-1\">Principal Amount<\/label><div class=\"term\">P<\/div>  <div class=\"absolute bottom-0 left-16 top-8 w-2 h-0.5 bg-blue-500\"><\/div><input type=\"text\" name=\"principal_amount\" id=\"field-1\" aria-describedby=\"calc-unit-1 calc-info-1\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"10000\"\/><div class=\"unit\" id=\"calc-unit-1\">$<\/div><small id=\"calc-info-1\">Enter the principal amount (the initial investment)<\/small><\/div><div class=\"field has-term\" id=\"input-2\"><label for=\"field-2\">Annual Interest Rate<\/label><div class=\"term\">r<\/div>  <div class=\"absolute bottom-0 left-16 top-8 w-2 h-0.5 bg-blue-500\"><\/div><input type=\"text\" name=\"annual_interest_rate\" id=\"field-2\" aria-describedby=\"calc-unit-2 calc-info-2\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"5\"\/><div class=\"unit\" id=\"calc-unit-2\">%<\/div><small id=\"calc-info-2\">Enter the annual interest rate (in %)<\/small><\/div><div class=\"field has-term\" id=\"input-3\"><label for=\"field-3\">Number of Years<\/label><div class=\"term\">n<\/div>  <div class=\"absolute bottom-0 left-16 top-8 w-2 h-0.5 bg-blue-500\"><\/div><input type=\"text\" name=\"number_of_years\" id=\"field-3\" aria-describedby=\"calc-info-3\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"1\" value=\"5\"\/><small id=\"calc-info-3\">Enter the number of years the money is invested<\/small><\/div><\/fieldset><div class=\"buttons\"><button type=\"submit\" data-text=\"Re-Calculate\" id=\"calculate-button\" data-post=\"215\">Calculate<\/button><button type=\"reset\">Reset<\/button><\/div><div class=\"field is-checkbox hidden!\" id=\"field-auto-calc\"><input type=\"checkbox\" id=\"auto-calc\"><label for=\"auto-calc\">Calculate automatically<\/label><small>If enabled, the result will update automatically when you change any value.<\/small><\/div><div class=\"fieldset-result is-hidden\" aria-labelledby=\"result-title\" aria-live=\"polite\" role=\"region\"> <h3 class=\"result-title bg-gradient-to-r from-primary-50 to-gray-50 dark:from-primary-900 dark:to-gray-800\" id=\"result-title\"><span class=\"icon icon-s-pulse\" aria-hidden=\"true\"><\/span> Your Results<\/h3><div class=\"result-box\"><div class=\"field-result\" id=\"output-1\"><span class=\"field-title\"><span>Maturity Value<\/span><\/span><span class=\"field-value\" id=\"result-1\" data-unit=\"$\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Copy Result\" aria-label=\"Copy Result\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><\/div><div class=\"result-actions\"><button type=\"button\" class=\"copy-link\"><svg viewBox=\"0 0 20 20\" fill=\"currentColor\" aria-hidden=\"true\"><path d=\"M12.232 4.232a2.5 2.5 0 0 1 3.536 3.536l-1.225 1.224a.75.75 0 0 0 1.061 1.06l1.224-1.224a4 4 0 0 0-5.656-5.656l-3 3a4 4 0 0 0 .225 5.865.75.75 0 0 0 .977-1.138 2.5 2.5 0 0 1-.142-3.667l3-3Z\"\/><path d=\"M11.603 7.963a.75.75 0 0 0-.977 1.138 2.5 2.5 0 0 1 .142 3.667l-3 3a2.5 2.5 0 0 1-3.536-3.536l1.225-1.224a.75.75 0 0 0-1.061-1.06l-1.224 1.224a4 4 0 1 0 5.656 5.656l3-3a4 4 0 0 0-.225-5.865Z\"\/><\/svg><span class=\"copy-link__text\">Copy link to this calculation<\/span><\/button><span class=\"sr-only\" role=\"status\" id=\"copy-link-status\"><\/span><\/div><\/div><a href=\"#respond\" class=\"hidden transition-opacity duration-300 opacity-0 w-50 text-sm justify-center items-center gap-2 px-4 py-2 rounded bg-gray-200 text-gray-700 hover:bg-gray-300\" id=\"leave-comment\"><span class=\"icon icon-comments\" aria-hidden=\"true\"><\/span>Leave a Comment<\/a><\/form><\/section><section id=\"calc-reactions\" class=\"not-prose hidden my-12 bg-gradient-to-r from-primary-50 to-gray-50 border border-indigo-100 rounded-xl px-6 py-4 shadow-sm\" data-post=\"215\" aria-live=\"polite\" aria-labelledby=\"calc-reactions-title\"><p id=\"calc-reactions-title\" class=\"text-sm text-gray-500 text-center mb-2\">How did this result make you feel?<\/p><div role=\"group\" aria-labelledby=\"calc-reactions-title\" class=\"grid grid-cols-3 sm:flex sm:flex-row sm:justify-around gap-4 sm:items-center sm:flex-wrap\"><button type=\"button\" aria-pressed=\"false\" class=\"reaction-btn flex flex-col items-center gap-1 text-sm text-gray-700 hover:text-primary-600 cursor-pointer transition-transform hover:scale-105\" data-reaction=\"like\"><span class=\"reaction-count\" data-reaction-count=\"like\">0<\/span><span class=\"reaction text-3xl\" aria-hidden=\"true\">\ud83d\ude00 <\/span><span class=\"reaction-description font-medium\">Like <\/span><\/button><button type=\"button\" aria-pressed=\"false\" class=\"reaction-btn flex flex-col items-center gap-1 text-sm text-gray-700 hover:text-primary-600 cursor-pointer transition-transform hover:scale-105\" data-reaction=\"helpful\"><span class=\"reaction-count\" data-reaction-count=\"helpful\">0<\/span><span class=\"reaction text-3xl\" aria-hidden=\"true\">\ud83d\udca1 <\/span><span class=\"reaction-description font-medium\">Helpful <\/span><\/button><button type=\"button\" aria-pressed=\"false\" class=\"reaction-btn flex flex-col items-center gap-1 text-sm text-gray-700 hover:text-primary-600 cursor-pointer transition-transform hover:scale-105\" data-reaction=\"confused\"><span class=\"reaction-count\" data-reaction-count=\"confused\">0<\/span><span class=\"reaction text-3xl\" aria-hidden=\"true\">\ud83d\ude15 <\/span><span class=\"reaction-description font-medium\">Confused <\/span><\/button><button type=\"button\" aria-pressed=\"false\" class=\"reaction-btn flex flex-col items-center gap-1 text-sm text-gray-700 hover:text-primary-600 cursor-pointer transition-transform hover:scale-105\" data-reaction=\"disappointed\"><span class=\"reaction-count\" data-reaction-count=\"disappointed\">0<\/span><span class=\"reaction text-3xl\" aria-hidden=\"true\">\ud83d\ude1e <\/span><span class=\"reaction-description font-medium\">Disappointed <\/span><\/button><button type=\"button\" aria-pressed=\"false\" class=\"reaction-btn flex flex-col items-center gap-1 text-sm text-gray-700 hover:text-primary-600 cursor-pointer transition-transform hover:scale-105\" data-reaction=\"inaccurate\"><span class=\"reaction-count\" data-reaction-count=\"inaccurate\">0<\/span><span class=\"reaction text-3xl\" aria-hidden=\"true\">\u274c <\/span><span class=\"reaction-description font-medium\">Inaccurate <\/span><\/button><\/div><div id=\"reaction-message\" class=\"hidden mt-8 rounded-md border border-primary-100 bg-white\/50 backdrop-blur-sm px-4 py-2 text-sm text-center shadow-sm\"><\/div><\/section><div class=\"calcdash-ad not-prose calcdash-ad--calc_result calcdash-ad--in-article\"><ins class=\"adsbygoogle\" style=\"display:block\" data-ad-client=\"ca-pub-1721569815777345\" data-ad-slot=\"6317458308\" data-ad-layout=\"in-article\" data-ad-format=\"fluid\"><\/ins><script>(adsbygoogle = window.adsbygoogle || []).push({});<\/script><\/div>\n<style id=\"wpcoderpro-inline-1\">.formula-box {\r\n\tborder-bottom: none !important;\r\n}<\/style><section class=\"formula-box\" aria-labelledby=\"formula-title\">\r\n\t<div id=\"formula-title\" class=\"not-prose font-display mb-4\"><span class=\"icon icon-formula\" aria-hidden=\"true\"><\/span><h2>Maturity Value Formula<\/h2><\/div>\r\n\t<figure class=\"not-prose formula\">\r\n\t\t<figcaption class=\"formula-title\">Formula<\/figcaption>\r\n\t\t<div class=\"text-base text-gray-800\" id=\"formula\">\n\\[ A = P \\times \\left(1 + \\frac{r}{100}\\right)^{n} \\]\n<\/div>\r\n\t<\/figure>\r\n\t<\/p>\n<p><strong>Where:<\/strong><\/p>\n<ul>\n<li>\\(A\\) \u2014 maturity value of the investment at the end of the term<\/li>\n<li>\\(P\\) \u2014 principal amount (the initial investment)<\/li>\n<li>\\(r\\) \u2014 annual interest rate (in percent)<\/li>\n<li>\\(n\\) \u2014 number of years the money stays invested<\/li>\n<\/ul>\n<p>This formula applies compound interest with annual compounding: each year the interest earned is added to the balance, and the following year's interest is calculated on the larger amount.<\/p>\n<p>\r\n<\/section>\n<style id=\"wpcoderpro-inline-459\">.calculation-box {\r\n\tborder-bottom: none !important;\r\n}<\/style><section id=\"calculation\" class=\"calculation-box\" aria-labelledby=\"calculation-title\">\r\n\t<div id=\"calculation-title\" class=\"not-prose font-display\"><span class=\"icon icon-unordered-list\" aria-hidden=\"true\"><\/span><h2>Maturity Value \u2013 Calculation Example<\/h2><\/div>\r\n\r\n<\/p>\n<p><strong>Example:<\/strong> you invest $10,000 at an annual interest rate of 5% for 5 years, with interest compounded once per year.<\/p>\n<p>\\[ A = 10{,}000 \\times \\left(1 + \\frac{5}{100}\\right)^{5} = 10{,}000 \\times 1.05^{5} \\approx 12{,}762.82 \\]<\/p>\n<p><strong>Result:<\/strong> the maturity value is approximately <strong>$12,762.82<\/strong>, meaning the investment earned $2,762.82 in interest over 5 years.<\/p>\n<p>\n\r\n<\/section>\n<h2>How to Use the Maturity Value Calculator<\/h2>\n<ol>\n<li>Enter the <strong>Principal Amount<\/strong> \u2014 the initial sum you invest or deposit.<\/li>\n<li>Enter the <strong>Annual Interest Rate<\/strong> as a percentage (for example, enter 5 for 5%, not 0.05).<\/li>\n<li>Enter the <strong>Number of Years<\/strong> the money will remain invested until maturity.<\/li>\n<li>Read the <strong>Maturity Value<\/strong> \u2014 the total amount you will have at the end of the term, including all compounded interest.<\/li>\n<\/ol>\n<h2>What Is Maturity Value?<\/h2>\n<p>Maturity value is the total amount an investment is worth at the end of its term. It consists of the original principal plus all the interest accumulated over the holding period. When interest compounds annually, the interest earned in each year is added to the balance, so subsequent interest is earned on an increasingly larger base \u2014 this is what distinguishes compound interest from simple interest, where interest is always calculated on the principal alone.<\/p>\n<p>The concept applies to many financial products: fixed deposits and certificates of deposit that pay out at maturity, zero-coupon bonds, savings bonds, and growth-oriented investment accounts. If you know the maturity value in advance, you can compare offers from different institutions and plan around a known future payoff.<\/p>\n<p>How to interpret the result: the difference between the maturity value and the principal is your total interest income. For instance, in the example above, $10,000 grows to $12,762.82, so $2,762.82 is earned interest. A useful sanity check is the <a href=\"https:\/\/wpcalc.com\/en\/finance\/compound-annual-growth-rate\/\">Compound Annual Growth Rate<\/a>, which expresses the same growth as a smoothed yearly rate and lets you compare investments of different lengths.<\/p>\n<h2>Assumptions, Limitations and Practical Tips<\/h2>\n<ul>\n<li><strong>Annual compounding only.<\/strong> The calculator compounds interest once per year. If your deposit compounds monthly, quarterly, or daily, the actual maturity value will be slightly higher. To compare rates quoted with different compounding frequencies on a like-for-like basis, convert them first with the <a href=\"https:\/\/wpcalc.com\/en\/finance\/annual-percentage-yield\/\">Annual Percentage Yield<\/a> calculator.<\/li>\n<li><strong>Fixed rate assumed.<\/strong> The result is exact only if the interest rate stays constant for the whole term. Variable-rate products and market-linked investments will not follow this projection.<\/li>\n<li><strong>No taxes, fees, or withdrawals.<\/strong> The calculation assumes interest is reinvested and nothing is withdrawn before maturity. Early withdrawals usually reduce the effective return through penalties or rate cuts.<\/li>\n<li><strong>Interest is not inflation-adjusted.<\/strong> The maturity value is a nominal figure. To understand what it will buy in the future, consider the erosion of purchasing power separately.<\/li>\n<li><strong>Single lump sum only.<\/strong> This calculator handles one initial deposit. For products that pay out or receive regular amounts, see the <a href=\"https:\/\/wpcalc.com\/en\/finance\/monthly-income-deposits\/\">Monthly Income Deposit<\/a> or the <a href=\"https:\/\/wpcalc.com\/en\/finance\/bond-value\/\">Bond Present Value<\/a> calculators.<\/li>\n<\/ul>\n<p>As a rule of thumb, the maturity value is most sensitive to the interest rate and the time horizon: doubling the term more than doubles the interest earned, because compounding accelerates over time. That is why even a small rate difference matters a lot for long-term deposits.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Calculate the maturity value of an investment using compound interest. Enter the principal amount, annual interest rate, and number of years to see the final value at maturity.<\/p>\n","protected":false},"author":70,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[5],"tags":[25],"class_list":["post-215","post","type-post","status-publish","format-standard","hentry","category-finance","tag-interest"],"acf":[],"_links":{"self":[{"href":"https:\/\/wpcalc.com\/en\/wp-json\/wp\/v2\/posts\/215","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/wpcalc.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/wpcalc.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/wpcalc.com\/en\/wp-json\/wp\/v2\/users\/70"}],"replies":[{"embeddable":true,"href":"https:\/\/wpcalc.com\/en\/wp-json\/wp\/v2\/comments?post=215"}],"version-history":[{"count":3,"href":"https:\/\/wpcalc.com\/en\/wp-json\/wp\/v2\/posts\/215\/revisions"}],"predecessor-version":[{"id":66132,"href":"https:\/\/wpcalc.com\/en\/wp-json\/wp\/v2\/posts\/215\/revisions\/66132"}],"wp:attachment":[{"href":"https:\/\/wpcalc.com\/en\/wp-json\/wp\/v2\/media?parent=215"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/wpcalc.com\/en\/wp-json\/wp\/v2\/categories?post=215"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/wpcalc.com\/en\/wp-json\/wp\/v2\/tags?post=215"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}