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$20,000 invested at 3% for 3 years

Future value

$21,855

Interest earned

$1,855

Total growth

9.2727%

Investing $20,000 at 3% compounded annually for 3 years grows to $21,855. That's $1,855 of compound interest earned on your original $20,000.

FV = $20,000 × (1 + 3%)^3

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