What would €X invested N years ago be worth today?
Find out how much an amount of money would have grown if you had invested it years ago at a given annual return, instead of leaving it idle.
Results
Final capital
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Total contributed
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Interest generated
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The final capital is calculated compounding monthly: initial capital × (1 + r)^n, plus the future value of monthly contributions [(1+r)^n - 1] / r, where r is the monthly interest rate and n the number of months.
Year-by-year evolution
| Año | Saldo final | Aportado acumulado | Interés acumulado |
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When should you use this calculator?
This page answers a very specific question: if N years ago you had invested an amount at an average annual return, how much would you have today? The fields are pre-filled with an example (€1,000 invested 20 years ago at 7% annually, an approximate long-term historical average for global stock markets); change any value to match your own case.
Practical example
With €1,000 invested 20 years ago at 7% annually, the result today would be €4,038.74: the original amount has more than quadrupled purely through compound interest, without adding a single extra euro. The more years pass, the greater the weight of interest earned on previous interest compared to the initial capital.
Practical tips
The result depends heavily on the average annual return you use: small differences of 1-2 percentage points change the 20-30 year result a lot. Use a realistic, conservative return for the type of asset you had in mind (not the best historical run), and remember that past returns don't guarantee future results.
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Frequently asked questions
Where does the 7% annual return in the example come from?
It's a common approximation of the long-term annualized historical average return of diversified global stock indices, before fees and taxes. It is not a guarantee of future returns and doesn't apply equally to every asset.
Does this calculator account for inflation?
No, it calculates the nominal growth of the invested money. To see that same result in today's purchasing power, you can use this site's inflation simulator with the result obtained here as the starting amount.
What if I had also contributed something every month?
Add that amount in the monthly contribution field: the calculation automatically adds the growth of the initial capital and of each periodic contribution using the same compound interest formula.