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$20,000 invested at 3% for 5 years

Future value

$23,185

Interest earned

$3,185

Total growth

15.9274%

Investing $20,000 at 3% compounded annually for 5 years grows to $23,185. That's $3,185 of compound interest earned on your original $20,000.

FV = $20,000 × (1 + 3%)^5

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