How much will $5,000 be worth in 5 years?

$5,000 invested for 5 years, with nothing added, would grow to $7,013 at a hypothetical 7% annual return: the original $5,000 plus $2,013 of investment growth. At 4% the balance would be $6,083 ($1,083 of growth), and at 10% it would be $8,053 ($3,053 of growth).

At 4% a year

$6,083

$1,083 of that is growth

At 7% a year

$7,013

$2,013 of that is growth

At 10% a year

$8,053

$3,053 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.

$5,000 after 5 years at different rates of return

Annual return	Final balance	Amount invested	Interest earned
1%	$5,255	$5,000	$255
2%	$5,520	$5,000	$520
3%	$5,796	$5,000	$796
4%	$6,083	$5,000	$1,083
5%	$6,381	$5,000	$1,381
6%	$6,691	$5,000	$1,691
7%	$7,013	$5,000	$2,013
8%	$7,347	$5,000	$2,347
9%	$7,693	$5,000	$2,693
10%	$8,053	$5,000	$3,053
11%	$8,425	$5,000	$3,425
12%	$8,812	$5,000	$3,812

Assumes a single investment with nothing added or withdrawn, and a constant rate compounded once a year (an effective annual rate).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 $5,255 at 1% to $8,812 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 5 years

$7,013

28.7% of that is interest. Your balance is 1.40 times what you put in.

Total contributions

$5,000

Interest earned

$2,013

Growth by year

Contributions
Interest

Year-by-year breakdown

Year	Contributions	Interest	Balance
1	$5,000	$350	$5,350
2	$5,000	$725	$5,725
3	$5,000	$1,125	$6,125
4	$5,000	$1,554	$6,554
5	$5,000	$2,013	$7,013

How quickly $5,000 grows

At 7%, 5 years is not long enough to double $5,000: the balance ends at 1.40 times the original amount. Left alone, it would pass $10,000 during year 11. A different rate moves that point, but not into these 5 years: it would come in year 8 at 10% and in year 18 at 4%.

Growth also speeds up over time. In year 1 the investment earns $350 at 7%. In year 5 it earns $459, 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 $5,000 invested for 5 years, which ends at $7,013.

Change	Final balance	Difference
Leave it invested for 5 more years (10 years in total)	$9,836	+$2,823
Also add $100 a month	$14,132	+$7,120
Treat 7% as a nominal rate compounded monthly	$7,088	+$75
Earn 6% a year instead of 7%	$6,691	−$322

Another 5 years adds $2,823 without any new money going in, more than the $2,013 earned in the first 5 years. A return that is one point lower leaves you with $322 less after 5 years, which is roughly what a 1% annual fee would cost.

Working backwards: to have $10,000 in 5 years at 7% without adding anything, you would need to invest about $7,130 today.

When would the balance reach $10,000?

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 5-year period.

Balance reaches	At 4%	At 7%	At 10%
$10,000	Year 18	Year 11	Year 8

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 = 5,000 × 1.07⁵ ≈ 5,000 × 1.4026 ≈ $7,013

Growth is the balance minus the original $5,000: $2,013. 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 $5,000 earn in 5 years?

It depends on the rate of return. At a constant 7% a year with nothing added, $5,000 earns $2,013 over 5 years, for a balance of $7,013. At 4% the growth is $1,083, and at 10% it is $3,053. These rates are examples, not predictions.

How long does it take $5,000 to grow to $10,000?

With a constant 7% annual return and nothing added, $5,000 passes $10,000 during year 11. For comparison, at 10% it takes until year 8, and at 4% it takes until year 18.

How much do I need to invest today to have $10,000 in 5 years?

At a constant 7% annual return, a single investment of about $7,130 would grow to $10,000 in 5 years. At 4% you would need about $8,219, and at 10% about $6,209.

$5,000 over other periods

Other amounts for 5 years

Monthly investing for 5 years

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