Time Value

Time can be a powerful tool in building the value of your investments. That's because of compounding - the ability of an investment's earnings to themselves earn a return by reinvesting all interest, dividends, and realized capital gains. How fast an investment grows over time depends on the rate of return earned each year.

Use this calculator to estimate the future value of an investment based on different rates of return. Complete the form below and click Submit.

What is the dollar amount of your initial investment?


How much, if any, do you plan to invest periodically?


How often will you contribute?

Which annual rate of return do you expect to earn on your investments?

For how many years do you expect to hold this investment?

  1. 1
  2. 26
  3. 50
  4. 75
  5. 100


The rate or return does not take into consideration the effect of fees and expenses of any investment. If fees and expenses were reflected, your returns would be lower.
Calculators are provided for educational purposes and are designed to get you thinking about your financial goals. Returns shown are for illustrative purposes only and are not representative of the performance of any Columbia Management product. Actual rates of return cannot be predicted and will fluctuate. Investing involves risk, including possible loss of principal. Using planning tools should be part of a regular financial check-up rather than a one time exercise. Default values in this calculator are placeholders. They should not be viewed as recommendations. Change the numbers to suit your personal situation and expectations. The sample allocations provided by some of the calculators are designed to help you think about retirement planning and should not be viewed as recommendations. You may want to consider many individual factors, including your goals, time frame, and risk tolerance, to develop a plan that is appropriate for you.

Investments in mutual funds involve risk. Some funds have more risk than others. There are additional risks associated with investing in non-US companies, high-yield bonds, emerging markets, aggressive growth stocks, specialty funds and small-, mid- and micro-cap stocks which are more fully explained in the prospectuses. In addition, there is no guarantee that a fund's investment objective will be met.

This calculator is not intended to provide tax or legal advice and should not be relied upon as such. Any specific tax or legal questions concerning the matters described in this calculator should be discussed with your tax or legal advisor.