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Future-value lookup
Enter any present value, rate, and years — the table answers in the two charts below.
REFERENCE CHART · MONEY
Compound Interest Table
Future-value factors for $1 and for $1-a-year annuities, at 1%–12% over 1–30 years — plus a live lookup. The same tables bankers and exam students have used for decades, computed exactly.
How to read the tables
Find your rate across the top and your years down the rows. The cell is the future-value factor — multiply your amount by it. At 7% for 10 years the factor is 1.9672, so $10,000 grows to $19,671.51. Every cell is computed from FV = (1 + r)t — no rounding stacked on rounding.
Output · formula · meaning
| Output | Formula | What it means |
|---|---|---|
| Future value | PV × (1 + r)t | $19,671.51 — $10,000 at 7% for 10 years. |
| Growth multiple | (1 + r)t | 1.9672× — the money nearly doubles. |
| Interest earned | FV − PV | $9,671.51 — almost half of the final amount is earned, not deposited. |
| Doubling time | ln 2 ÷ ln(1 + r) | 10.2 years at 7% — the rule of 72 says 10.3, close enough. |
Future value of $1 — at year end
Multiply the factor by your starting amount. Annual compounding; exam-style FV tables use exactly this.
| Rate | 1 yr | 5 yr | 10 yr | 15 yr | 20 yr | 25 yr | 30 yr |
|---|---|---|---|---|---|---|---|
| 1% | 1.0100 | 1.0510 | 1.1046 | 1.1610 | 1.2202 | 1.2824 | 1.3478 |
| 2% | 1.0200 | 1.1041 | 1.2190 | 1.3459 | 1.4859 | 1.6406 | 1.8114 |
| 3% | 1.0300 | 1.1593 | 1.3439 | 1.5580 | 1.8061 | 2.0938 | 2.4273 |
| 4% | 1.0400 | 1.2167 | 1.4802 | 1.8009 | 2.1911 | 2.6658 | 3.2434 |
| 5% | 1.0500 | 1.2763 | 1.6289 | 2.0789 | 2.6533 | 3.3864 | 4.3219 |
| 6% | 1.0600 | 1.3382 | 1.7908 | 2.3966 | 3.2071 | 4.2919 | 5.7435 |
| 7% | 1.0700 | 1.4026 | 1.9672 | 2.7590 | 3.8697 | 5.4274 | 7.6123 |
| 8% | 1.0800 | 1.4693 | 2.1589 | 3.1722 | 4.6610 | 6.8485 | 10.0627 |
| 9% | 1.0900 | 1.5386 | 2.3674 | 3.6425 | 5.6044 | 8.6231 | 13.2677 |
| 10% | 1.1000 | 1.6105 | 2.5937 | 4.1772 | 6.7275 | 10.8347 | 17.4494 |
| 11% | 1.1100 | 1.6851 | 2.8394 | 4.7846 | 8.0623 | 13.5855 | 22.8923 |
| 12% | 1.1200 | 1.7623 | 3.1058 | 5.4736 | 9.6463 | 17.0001 | 29.9599 |
Future value of a $1-per-year annuity
For money deposited at the end of each year: multiply by the yearly deposit. Factor = ((1 + r)t − 1) ÷ r.
| Rate | 1 yr | 5 yr | 10 yr | 15 yr | 20 yr | 25 yr | 30 yr |
|---|---|---|---|---|---|---|---|
| 1% | 1.0000 | 5.1010 | 10.4622 | 16.0969 | 22.0190 | 28.2432 | 34.7849 |
| 2% | 1.0000 | 5.2040 | 10.9497 | 17.2934 | 24.2974 | 32.0303 | 40.5681 |
| 3% | 1.0000 | 5.3091 | 11.4639 | 18.5989 | 26.8704 | 36.4593 | 47.5754 |
| 4% | 1.0000 | 5.4163 | 12.0061 | 20.0236 | 29.7781 | 41.6459 | 56.0849 |
| 5% | 1.0000 | 5.5256 | 12.5779 | 21.5786 | 33.0660 | 47.7271 | 66.4388 |
| 6% | 1.0000 | 5.6371 | 13.1808 | 23.2760 | 36.7856 | 54.8645 | 79.0582 |
| 7% | 1.0000 | 5.7507 | 13.8164 | 25.1290 | 40.9955 | 63.2490 | 94.4608 |
| 8% | 1.0000 | 5.8666 | 14.4866 | 27.1521 | 45.7620 | 73.1059 | 113.2832 |
| 9% | 1.0000 | 5.9847 | 15.1929 | 29.3609 | 51.1601 | 84.7009 | 136.3075 |
| 10% | 1.0000 | 6.1051 | 15.9374 | 31.7725 | 57.2750 | 98.3471 | 164.4940 |
| 11% | 1.0000 | 6.2278 | 16.7220 | 34.4054 | 64.2028 | 114.4133 | 199.0209 |
| 12% | 1.0000 | 6.3528 | 17.5487 | 37.2797 | 72.0524 | 133.3339 | 241.3327 |
The rule of 72, checked against the table
Divide 72 by the rate for the doubling time: at 7% the rule says 10.3 years, and the table shows $1 → $1.9672 at 10 years and $2.2522 at 15 — so the doubling lands just past year 10. The rule is a mental shortcut for this exact table; now you have the real thing when it matters.
Who uses this
- Students: finance and CPA exam prep — these are the factors behind the textbook problems.
- Savers: “what does $10,000 at 7% look like in 10 years?” — the precomputed answer: $19,671.51.
- Retirement planners: the annuity table prices a fixed yearly contribution without running a spreadsheet.
- Teachers: the whole concept of compounding on one printable page — cite it below.
Accuracy & limitations
All factors use annual compounding — the classic textbook convention. Banks quote savings APYs with monthly or daily compounding, so real bank balances run slightly higher than this table (APY already folds that in). Factors are exact to four decimals; they ignore fees, taxes, inflation, and rate changes. For variable rates or contributions, run the compound growth calculator instead. The tables print cleanly from your browser.
Cite this reference chartBright Side Kit. “Compound Interest Table.” brightoolbox.com, 2026.
Bright Side Kit. "Compound Interest Table." https://brightoolbox.com/compound-interest-table/ Accessed October 22, 2026.Frequently asked questions
What is a future value factor table?
A grid that answers “what does $1 become?” at a given rate and year. The factor for 7% over 10 years is 1.9672, so $10,000 becomes $19,671.51 — just multiply the factor by your amount. They were invented so bankers could skip the exponent math.
How do I use a compound interest table?
Look up your rate and number of years, multiply the factor by your starting amount. For yearly deposits instead of a lump sum, use the annuity table: a $1,000 deposit each year at 7% for 10 years has factor 13.8164, so the final balance is $13,816.44.
What is the rule of 72?
A shortcut for doubling time: divide 72 by the annual rate. At 7%, 72 ÷ 7 = 10.3 years — check it against the table above, where $1 reaches $1.9672 at year 10 and passes $2 just after.
Is this table the same as APY?
Close but not identical. APY folds monthly or daily compounding into one number, so bank balances compound slightly faster than this table’s once-a-year convention. The gap is small at savings rates (about $8 a year on $10,000 at 4%) and grows with the rate.
What is the future value of an annuity table?
The second chart: for money deposited at the end of each year. At 7% for 10 years the factor is 13.8164 — so $1,000 a year becomes $13,816.44. Use the top table for lump sums, the bottom one for regular contributions.
Can compound interest really double my money?
Yes, given time and rate. At 7% the table shows $1 → $1.9672 at year 10, so the doubling lands just past year 10 (the exact answer is 10.2 years). At 10% it doubles in 7.3 years; at 3% it takes 23.5. Pick a rate in the table and watch the factor cross 2.0000.