Time Value of Money (STL)

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?
1 100
Your increased monthly payment selection reduced total interest by:
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Calculators and related tools are provided by DST Systems, Inc., an SS&C company, a party unaffiliated with your firm's service provider, National Financial Services LLC or Fidelity Brokerage Services LLC (“Fidelity”), or your firm. Neither Fidelity nor your firm has been involved in the preparation or the content supplied by SS&C and does not guarantee or assume any responsibility for its content. The retirement planning, estate planning, and tax information contained herein is general in nature, is provided for informational and educational purposes only, and should not be considered legal or tax advice.

Fidelity is not undertaking to provide impartial investment advice, or to give advice in a fiduciary capacity, in connection with any investment or transaction described herein. Fiduciaries are solely responsible for exercising independent judgment in evaluating any transaction(s) and are assumed to be capable of evaluating investment risks independently, both in general and with regard to particular transactions and investment strategies. Fidelity has a financial interest in any transaction(s) that fiduciaries, and if applicable, their clients, may enter into involving Fidelity’s products or services. Always consult an attorney or tax professional regarding your client’s specific legal or tax situation. By using these tools you acknowledge that it is your obligation to comply with any applicable legal and regulatory requirements when providing the reports to your clients. You should consult with your firm’s legal or compliance personnel regarding the use of these tools and reports.

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