How much will $10,000 be worth in 15 years?

A one-time lump sum can grow dramatically with time. Try multiple return assumptions to see a realistic range.

What matters most

For a lump sum, the two biggest factors are time and your average return. Regular contributions can amplify the result even more.

Even $100/month can change the outcome a lot. Contributions compound too.

Is 15 years long enough for compounding?

Yes. You’ll usually see compounding become more noticeable in the second half of the timeline.

Should I choose monthly or daily compounding?

The difference is usually small compared to your return rate and time. Pick one and be consistent when comparing.

What about inflation?

Inflation reduces purchasing power. This calculator shows nominal growth; consider inflation separately if you want “today’s dollars”.

Does investing a lump sum beat dollar-cost averaging?

Sometimes. Lump sum invests earlier; dollar-cost averaging reduces timing risk. This page is for modelling only.

Can I do this in my currency?

Yes. The maths is the same — treat $ as your currency unit.