Future value of any asset growing (or falling) by a yearly percentage — with inflation-adjusted value and doubling time.
This is a generic asset calculator: a home, a plot of land, shares, a classic car, a collectible — anything whose value grows (or falls) by a percentage each year. It is not tied to one asset type.
The required rate answers: “what yearly growth would I need to reach this target in this many years?” If the target is below today's value, the required rate is negative — the asset could fall and still hit it.
future value
How to use this tool
Any asset: a home, land, shares, a car, a collectible. Enter what it is worth today.
A steady yearly percentage. Use a conservative long-run figure, not one hot year — and a negative rate for assets that lose value.
How long you hold it. Milestones at 5 and 20 years are shown alongside your chosen horizon.
In Advanced, add inflation to see the real gain, or a target value to find the yearly rate that target would require.
Formula & worked example
$300,000 growing at 4% a year for 10 years: $300,000 × 1.04^10 = $444,073.29 — a gain of $144,073.29 (48.02%). At 2% inflation that future sum is worth $364,294.76 in today's money, and the value doubles in about 17.7 years at 4%.
Limitations — read this before you rely on it
This assumes one smooth yearly rate, compounding annually, with no buying/selling costs, taxes, maintenance, rent or income, and no market crashes or booms along the way. Real assets do not grow smoothly, so the result is a scenario, not a forecast — run it at a low, a central and a high rate before making a decision.
Frequently asked questions
Multiply today's value by (1 + rate) raised to the number of years: $300,000 × 1.04^10 = $444,073.29. Compounding is why the gain accelerates — each year's growth earns growth of its own.
Divide the future value by (1 + inflation)^years. At 2% inflation, $444,073 in 10 years is $444,073 ÷ 1.02^10 = $364,295 in today's money.
Use ln(2) ÷ ln(1 + rate). At 4% that is 17.7 years; the rule of 72 (72 ÷ rate) gives a close estimate of 18 years.
It is the same formula with any asset's numbers — a home, land, shares or a collectible. What changes is the rate you assume, not the maths. Be honest about the rate: past growth is not a promise.
Enter a negative rate. At −5% a year, $20,000 becomes $20,000 × 0.95^5 = $15,475.62 after 5 years — that is depreciation, the same formula running backwards.