Appreciation Calculator: Future Value, Rate and Gain

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Choose what you want to solve for.
The starting price or value of the asset today (or at the date of purchase).
The expected annual compound growth rate. Use a negative number for depreciation.
% / yr
How many years the asset will appreciate.
years
Currency
Future value
$370,061.07

The projected value of the asset after the appreciation period

Total gain$120,061.07
Total gain (%)48.02%
Average annual gain$12,006.11
Future value$370,061.07
Total gain$120,061.07

Total gain: +48.0% over the period.

  • At 4% per year compounded, a 10-year hold turns every dollar of initial value into 1.48 dollars.
  • That rate is in line with historical averages for U.S. residential real estate over multi-decade holding periods.
  • Total gain of 48.0% represents the full cumulative increase, not an annual figure. Divide by the number of years only for a rough simple-average estimate.

Next stepAppreciation projections do not account for inflation, taxes on sale, maintenance costs, or opportunity cost. For real estate, also factor in mortgage interest, property taxes, and transaction costs when comparing to other investments.

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