How much will $1,000 be worth in 10 years?

$1,000 invested for 10 years, with nothing added, would grow to $1,967 at a hypothetical 7% annual return: the original $1,000 plus $967 of investment growth. At 4% the balance would be $1,480 ($480 of growth), and at 10% it would be $2,594 ($1,594 of growth).

At 4% a year

$1,480

$480 of that is growth

At 7% a year

$1,967

$967 of that is growth

At 10% a year

$2,594

$1,594 of that is growth

4%, 7% and 10% are example rates, not forecasts. Real returns change from year to year and are never guaranteed, and these figures leave out fees, taxes and inflation.

$1,000 after 10 years at different rates of return

Annual return	Final balance	Amount invested	Interest earned
1%	$1,105	$1,000	$105
2%	$1,219	$1,000	$219
3%	$1,344	$1,000	$344
4%	$1,480	$1,000	$480
5%	$1,629	$1,000	$629
6%	$1,791	$1,000	$791
7%	$1,967	$1,000	$967
8%	$2,159	$1,000	$1,159
9%	$2,367	$1,000	$1,367
10%	$2,594	$1,000	$1,594
11%	$2,839	$1,000	$1,839
12%	$3,106	$1,000	$2,106

Assumes a single investment with nothing added or withdrawn, and a constant rate compounded once a year (an effective annual rate). The final balance ranges from $1,105 at 1% to $3,106 at 12%.

Try your own numbers

The calculator starts with this example at 7%. Change the amount, rate or time period, add a monthly contribution, or switch the compounding, and the result updates as you type.

Balance after 10 years

$1,967

49.2% of that is interest. Your balance is 1.97 times what you put in.

Total contributions

$1,000

Interest earned

$967

Growth by year

Contributions
Interest

Year-by-year breakdown

Year	Contributions	Interest	Balance
1	$1,000	$70	$1,070
2	$1,000	$145	$1,145
3	$1,000	$225	$1,225
4	$1,000	$311	$1,311
5	$1,000	$403	$1,403
6	$1,000	$501	$1,501
7	$1,000	$606	$1,606
8	$1,000	$718	$1,718
9	$1,000	$838	$1,838
10	$1,000	$967	$1,967

How quickly $1,000 grows

At 7%, 10 years is not long enough to double $1,000: the balance ends at 1.97 times the original amount. Left alone, it would pass $2,000 during year 11. The rate matters a lot here: the money doubles in year 8 at 10%, while at 4% it would take until year 18, after this 10-year period ends.

Growth also speeds up over time. In year 1 the investment earns $70 at 7%. In year 10 it earns $129, because each year's return is calculated on a larger balance.

What if you change the plan?

Each row changes one thing and keeps everything else the same, at the 7% example rate. The comparison is with $1,000 invested for 10 years, which ends at $1,967.

Change	Final balance	Difference
Leave it invested for 5 more years (15 years in total)	$2,759	+$792
Invest 5 years later (5 years of growth)	$1,403	−$565
Also add $100 a month	$19,072	+$17,105
Treat 7% as a nominal rate compounded monthly	$2,010	+$43
Earn 6% a year instead of 7%	$1,791	−$176

Waiting 5 years to invest the same $1,000 leaves the final balance $565 lower, even though you put in exactly the same amount. The last 5 years add the most because they are earned on the largest balance. A return that is one point lower leaves you with $176 less after 10 years, which is roughly what a 1% annual fee would cost.

Working backwards: to have $2,500 in 10 years at 7% without adding anything, you would need to invest about $1,271 today.

When would the balance reach $2,500?

The table shows the year in which the balance first reaches each amount, assuming nothing is added or withdrawn. Years in bold fall within this page's 10-year period.

Balance reaches	At 4%	At 7%	At 10%
$2,500	Year 24	Year 14	Year 10

How this is calculated

For a single investment with nothing added, the rate is applied once a year to the whole balance:

Balance = Principal × (1 + annual rate)^years

With this page's numbers at 7%:

Balance = 1,000 × 1.07¹⁰ ≈ 1,000 × 1.9672 ≈ $1,967

Growth is the balance minus the original $1,000: $967. Every other row in the rate table uses the same formula with a different annual rate. The compound interest calculator page explains the formulas in more detail, including monthly contributions.

Frequently asked questions

How much interest will $1,000 earn in 10 years?

It depends on the rate of return. At a constant 7% a year with nothing added, $1,000 earns $967 over 10 years, for a balance of $1,967. At 4% the growth is $480, and at 10% it is $1,594. These rates are examples, not predictions.

How long does it take $1,000 to grow to $2,500?

With a constant 7% annual return and nothing added, $1,000 passes $2,500 during year 14. For comparison, at 10% it takes until year 10, and at 4% it takes until year 24.

How much do I need to invest today to have $2,500 in 10 years?

At a constant 7% annual return, a single investment of about $1,271 would grow to $2,500 in 10 years. At 4% you would need about $1,689, and at 10% about $964.

$1,000 over other periods

Other amounts for 10 years

Monthly investing for 10 years

See all compound interest examples in one table, or start from scratch with the compound interest calculator.