About

A 15% APY sits at the threshold of aggressive wealth generation. Returns of this magnitude are often found in private equity bridge loans, distressed debt, high-yield 'junk' bonds, or speculative cryptocurrency staking pools. While the mathematical returns are compelling, they almost always come with higher liquidity risks or credit risks.

This calculator allows you to forecast the trajectory of a 15% investment. Due to the high rate, the compounding effect is extremely potent. An investment earning 15% effectively multiplies by a factor of 4x in just 10 years. We have included a risk disclaimer feature to remind users that in finance, high reward is inextricably linked to high risk.

Formulas

Using standard annual compounding for high-yield estimations:

FV = P(1 + 0.15)^t

Reference Data

Timeline	Balance Multiplier	Example ($10k)
Start	1.00x	$10,000
5 Years	2.01x	$20,113
10 Years	4.04x	$40,455
15 Years	8.13x	$81,370
20 Years	16.36x	$163,665
25 Years	32.91x	$329,189

Frequently Asked Questions

15% is rare in insured banking products. Look for High-Yield Bonds (rated BB or lower), Peer-to-Peer lending notes, REITs (Real Estate Investment Trusts) with leverage, or crypto-asset staking. Each carries risk of principal loss.

72 / 15 = 4.8. Your money doubles approximately every 4.8 years.

Guaranteed 15% returns are economically unsustainable for most risk-free issuers. If an entity offers this, they are taking significant risks with the capital to generate that yield.