Finance

Appreciation Calculator

Calculate the future value and total appreciation of any asset over time.

Formula:
Future Value = Current Value × (1 + rate)^years
Total Appreciation = Future Value − Current Value

Understanding Asset Appreciation

Appreciation is the increase in value of an asset over time. Real estate historically appreciates at 3-5% per year nationally, though this varies significantly by location and market conditions.

Average Appreciation Rates

Asset TypeTypical Annual Appreciation
US Real Estate (National Avg)3.5% - 4.5%
S&P 500 (Stocks)~10% (nominal)
Gold~7% (long-term)
Cars−15% to −20% (depreciation)