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
| Field | What to enter |
|---|---|
| Principal | Amount in your currency |
| Annual interest rate | In % |
| Time of investment | Units: years, months |
| Interest | Choose 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:
| Principal | Maturity value |
|---|---|
| 5,000 | 5,807.36 |
| 7,500 | 8,711.04 |
| 10,000 | 11,614.72 |
| 12,500 | 14,518.4 |
| 15,000 | 17,422.08 |
| 20,000 | 23,229.44 |
Formula
Compound: maturity value = P × (1 + r ÷ n)^(n × t)Simple: maturity value = P × (1 + r × t)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.
Frequently asked questions
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).