Time Value

Time can be a powerful tool in building the value of your investments. That's because of compounding - the ability of an investment's earnings to themselves earn a return by reinvesting all interest, dividends, and realized capital gains. How fast an investment grows over time depends on the rate of return earned each year.

Use this calculator to estimate the future value of an investment based on different rates of return. Complete the form below and click Submit.

What is the dollar amount of your initial investment?


How much, if any, do you plan to invest periodically?


How often will you contribute?

Which annual rate of return do you expect to earn on your investments?

For how many years do you expect to hold this investment?

  1. 1
  2. 26
  3. 50
  4. 75
  5. 100



Calculator is provided by DST Systems, Inc.  DST is not affiliated with this site's sponsor, owner or any affiliate thereof. The calculator is provided for educational purposes only and does not serve, either directly or indirectly, as legal, financial or tax advice. You should always consult with your financial planner, attorney and/or tax advisor as needed. The output provided by any calculator depends upon the completeness and the accuracy of the information and assumptions that the user provides. Users should verify the accuracy of all information that they incorporate into their use of the calculator, including information input by ADP if applicable. ADP is not responsible for the completeness, accuracy, and appropriateness of the information and assumptions provided by any user. Users should also verify the appropriateness for them of any assumptions used and, if applicable, modify these assumptions for their individual situation. Assumptions about projected investment returns, inflation, as well as the data that users provide, such as current and future income and expense estimates, are inherently uncertain and introduce uncertainty in the calculations that the tool performs. Even small changes in these inputs and assumptions may have a significant impact on the calculator’s derived results. Any results generated by a calculator are not representative of any index or fund, are hypothetical, and are not guaranteed. All investments carry a degree of risk and past performance is not a guarantee of future results. Asset allocation and diversification do not ensure a profit and do not protect against loss in declining markets.

In making this and other calculators available for your use on this Website, ADP makes no recommendation regarding the appropriateness of any contribution amount or type, withdrawal or withdrawal rate, loan, or asset allocation.