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$10,000 invested at 3% for 40 years

Future value

$32,620

Interest earned

$22,620

Total growth

226.204%

Investing $10,000 at 3% compounded annually for 40 years grows to $32,620. That's $22,620 of compound interest earned on your original $10,000.

FV = $10,000 × (1 + 3%)^40

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