How to Use Maturity Value Calculator
The Maturity Value Calculator projects the future value of a deposit, certificate of deposit or fixed-rate instrument. Enter principal, annual rate, term and the interest type. The Maturity Value Calculator outputs the maturity value, total interest and the original principal for reference.
- Pick a currency.
- Enter principal and rate in percent per year.
- Enter term in years.
- Pick simple or compound; choose compounding frequency.
Formula & Theory — Maturity Value Calculator
The Maturity Value Calculator uses the standard formulas:
Simple : MV = P × (1 + r × t)
Compound : MV = P × (1 + r / n)^(n × t)
Interest = MV - P| Symbol | Meaning |
|---|---|
| P | Principal |
| r | Annual interest rate (decimal) |
| t | Term in years |
| n | Compounding periods per year |
Assumptions and Limits
The Maturity Value Calculator assumes a fixed rate and no withdrawals or additional deposits.
Use Cases for Maturity Value Calculator
- Bank deposits & CDs — project the end-of-term balance.
- Fixed-rate bonds — estimate maturity payouts.
- Education savings — plan tuition funds.
- Insurance products — evaluate guaranteed maturity values.