Appreciation Calculator
Project how much a home, collectible or other asset will be worth, or find its annual appreciation rate.
About the Appreciation Calculator
Choose whether to find the future value or the yearly appreciation rate, and enter the starting value with either the rate or the ending value, and the number of years. The calculator gives the answer and the total gain, with a growth chart.
Appreciation compounds: a 4% annual rise on $350,000 adds $14,000 in year one but more each year after. US home prices have risen about 4–5% a year on average over the long run (before inflation), with big swings.
The formula
FV = PV × (1 + r)ⁿ; r = (FV ÷ PV)^(1/n) − 1
Worked example
A $350,000 home rising 4% a year for 10 years
- 350,000 × 1.04¹⁰
- = $518,085
- A total gain of 48%, not adjusted for inflation
Questions people ask
Is appreciation the same as return?
No, a property's return also includes rent and costs.
How do I include inflation?
Subtract expected inflation from the rate for a 'real' figure.
What about depreciation?
Enter a negative rate: cars, for example, lose 15–20% a year.