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$20,000 invested at 5% for 3 years

Future value

$23,153

Interest earned

$3,153

Total growth

15.7625%

Investing $20,000 at 5% compounded annually for 3 years grows to $23,153. That's $3,153 of compound interest earned on your original $20,000.

FV = $20,000 × (1 + 5%)^3

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