Maturity Value Calculator — Simple & Compound Interest
Find the total value of an investment or loan at the end of its term. Enter the principal, annual rate and years, then choose simple or compound interest to see the maturity value, total interest and a growth curve.
%
years
Interest type
Total value of the investment at the end of the term
- 1
Interest earned
5,000 × 6% × 5 yrs = 1,500 - 2
Maturity value
5,000 + 1,500 = 6,500
How does this calculator work?
Maturity value = Principal × (1 + r × t) for simple interest, or Principal × (1 + r)^t for annual compound interest (r = annual rate, t = years). Enter principal, rate and term to get the maturity value, total interest earned and a month-by-month growth curve.
Formula
How this is calculated
The maturity value is the amount owed or received at the end of an investment or loan term — the original principal plus all accumulated interest. For simple interest, the interest is computed only on the original principal each period: MV = P × (1 + r × t). Simple interest is used for short-term instruments like treasury bills, some bonds and consumer loans in many countries.
For compound interest (annual compounding), interest earned in each year is added to the principal and itself earns interest in subsequent years: MV = P × (1 + r)^t. The difference grows rapidly with time — after 10 years at 6%, a simple-interest investment reaches 160% of principal while a compound-interest investment reaches 179%.
This calculator uses the basic one-period-per-year compound formula. For monthly or quarterly compounding, use the Term Deposit Calculator. The maturity value does not account for taxes on interest, inflation, or early-withdrawal penalties — it is the gross nominal value at maturity.
Frequently asked questions
They are the same concept. Maturity value is the term used in banking and fixed-income (deposits, bonds, bills); future value is the term used in general finance and textbooks. Both equal the principal plus all accumulated interest at the end of the term.
Simple interest earns the same absolute amount each period (r × P). Compound interest adds interest to the balance each period, so subsequent interest is earned on a larger amount. For the same rate and term, compound interest always gives a higher maturity value — the gap widens the longer the term.
For zero-coupon bonds, yes: the maturity value is the face value paid at maturity, and the present value (price) is face value ÷ (1 + r)^t. For coupon bonds you also need to account for periodic coupon payments — use a bond-price calculator for those.
Also known as
TG we-Calculate Editorial Team. (2026). Maturity Value Calculator — Simple & Compound Interest [Online calculator]. TG we-Calculate. https://we-calculate.com/calculator/maturity-value-calculator
TG we-Calculate Editorial Team. "Maturity Value Calculator — Simple & Compound Interest." TG we-Calculate. 2026. https://we-calculate.com/calculator/maturity-value-calculator.
TG we-Calculate Editorial Team, "Maturity Value Calculator — Simple & Compound Interest," TG we-Calculate, 2026. [Online]. Available: https://we-calculate.com/calculator/maturity-value-calculator
@misc{wecalculate_maturity_value_calculator, title = {Maturity Value Calculator — Simple & Compound Interest}, author = {{TG we-Calculate Editorial Team}}, howpublished = {\url{https://we-calculate.com/calculator/maturity-value-calculator}}, year = {2026}, note = {TG we-Calculate} }
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