# Maturity Value Calculator

URL: https://speedycalculator.com/calculators/finance/maturity-value/
Last updated: 2026-10-25

> The maturity value calculator works out how much an investment or loan will be worth at maturity – principal plus interest – with simple or compound interest at any compounding frequency.

## Inputs

- Principal
- Annual interest rate (%)
- Time of investment (years, months)
- Interest

## Results

- Maturity value
- Interest earned

## Formula

```
Compound: maturity value = P × (1 + r ÷ n)^(n × t)
Simple: maturity value = P × (1 + r × t)
```

## Explanation

Maturity value is the amount you receive when a CD, bond, note or deposit matures – or the amount owed on a loan at the end of its term if no payments are made.

### How to use the Maturity Value Calculator

- **Principal**
- **Annual interest rate**
- **Time of investment**
- **Interest**

Results update as you type, and every field accepts the units shown in its menu.

### How it works

Enter the principal, interest rate, time and the type of interest.

### Tips

- Take figures from the same financial statements and the same fiscal year.
- Compare ratios with companies in the same industry, not across industries.
- Use several valuation measures together; no single ratio tells the whole story.
- Market prices change every second – refresh the share price before you rely on a result.

### Common mistakes to avoid

- Mixing per-share figures with company totals.
- Using trailing earnings for one company and forward earnings for another.
- Forgetting dilution from options and convertible securities.

### Inputs explained

FieldWhat to enterPrincipalAmount in your currencyAnnual interest rateIn %Time of investmentUnits: years, monthsInterestChoose one: Simple interest, Yearly, Semi-annually, Quarterly …

### Example values

How the main result changes when **Principal** changes and everything else stays at the example values above:

PrincipalMaturity value5,0005,807.367,5008,711.0410,00011,614.7212,50014,518.415,00017,422.0820,00023,229.44

## Worked example

Inputs — Principal: $10,000; Annual interest rate: 5 %; Time of investment: 3 years; Interest: Monthly.

Results — **Maturity value = $11,614.72**; Interest earned = $1,614.72.

## FAQ

**What is maturity value?**
The total amount due when an investment or loan matures.

**Does it include interest?**
Yes – principal plus all interest earned.

**How is it different for simple interest?**
Interest doesn't compound, so the value is lower.

**What formula does the Maturity Value Calculator use?**
Compound: maturity value = P × (1 + r ÷ n)^(n × t).