Implied Interest Rate Calculator

What return got you from PV to FV over n years? Solve for the annualized rate.

Inputs

$
$
Implied annual rate
$6.30
$10,000.00 → $25,000.00 in 15 yr
Growth multiple
2.50×
Money doubles in
11.4 yr
Rule of 72 estimate
Rate
6.30%

How it works

Solve (1 + r/n)^(n·t) = FV/PV for r. Result: r = n × ((FV/PV)^(1/(n·t)) − 1).

Frequently asked questions

What does this tell me?

The single constant rate that would have grown PV into FV over your time period, given your compounding assumption.

How is this different from CAGR?

CAGR assumes annual compounding. This calc lets you specify quarterly/monthly compounding — useful for savings accounts that credit interest more often.

Can it show a negative rate?

Yes — if FV < PV, the implied rate is negative (a loss).

Rule of 72 rule of thumb?

Years to double ≈ 72 ÷ rate. Useful shortcut for annual compounding rates 6–10%.

Does this account for contributions?

No — pure lump-sum. If you added money along the way, use IRR instead.

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