Asset Appreciation Calculator
Estimate the future value and total gain of an asset growing at a constant annual rate over a number of years.
輸入資料
計算結果
重點速覽：Asset appreciation estimates the future (terminal) value of an asset growing at a constant annual rate over a chosen number of years. Formula: future value = present value x (1 + g)^t, total gain = future value - present value, total percentage gain = (future value / present value - 1) x 100%. WARNING: The result is a 'nominal' gain that does not deduct inflation; in real terms the gain is lower. Growth can also be negative (depreciation) — a negative rate models assets such as vehicles or electronics that lose value.
計算公式
終值 = 現值 × (1 + 年增長率)^年期。
總增值 = 終值 − 現值。
總增幅 = 總增值 ÷ 現值 × 100%。
$$\text{終值} = \text{現值} \times (1 + g)^{n}$$$$\text{總增值} = \text{終值} - \text{現值}$$使用說明
- Enter the current value of the asset.
- Enter the assumed constant annual growth rate (negative for depreciation).
- Enter the number of years.
- View the estimated future value, total gain and total percentage gain.
以現值 HK$5,000,000 為例，不同年增長率與年期下的終值、總增值與總增幅。
| 年增長率 | 年期 | 終值 | 總增值 | 總增幅 |
|---|---|---|---|---|
| 2% | 10 年 | 6,094,972 | 1,094,972 | 21.90% |
| 3% | 10 年 | 6,719,582 | 1,719,582 | 34.39% |
| 5% | 10 年 | 8,144,473 | 3,144,473 | 62.89% |
| 3% | 20 年 | 9,030,556 | 4,030,556 | 80.61% |
| 3% | 30 年 | 12,136,312 | 7,136,312 | 142.73% |
理財情境案例
Case 1: Nominal appreciation of a Hong Kong owner-occupied flat
Mr Chan bought an owner-occupied flat for HK$4,000,000 in 2010, assuming a long-term average appreciation of 3% a year, and wants to estimate its nominal value 15 years later (in 2025).
Future value = 4,000,000 x (1 + 3%)^15 = about HK$6,231,870, a total gain of about HK$2,231,870, or about 55.80%. Note this is a 'nominal' rise that does not deduct inflation; the real rise is lower. Pair it with an inflation calculator for a complete picture.
Case 2: A negative-growth depreciation scenario
Not all assets appreciate. Suppose an asset worth HK$3,000,000 loses 2% a year for 5 years due to a weak market.
Future value = 3,000,000 x (1 - 2%)^5 = about HK$2,711,762, a total gain of about -HK$288,238, or about -9.61%. Entering a negative annual growth rate models depreciation for vehicles, electronics or properties in a downturn, reminding investors that appreciation is not guaranteed.
常見問題
Is the gain shown real or nominal?
It is nominal — the future value and gain are stated in today's dollar units but do not deduct inflation. If inflation erodes purchasing power over the period, the real gain is lower. Pair this with an inflation calculator for a real-terms view.
Can I model depreciation?
Yes. Enter a negative annual growth rate to simulate an asset that loses value, such as a car or electronic device, or a property in a downturn. The terminal value will then be lower than the current value.
Is the growth rate guaranteed?
No. The constant rate is an assumption for illustration only. Actual appreciation depends on the market and is uncertain, especially for property and other long-lived assets.
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參考資料
內容審核：香港計算器財經團隊。計算邏輯與公式參考香港金融管理局（HKMA）及投資者及理財教育委員會（IFEC）之個人理財計算指引，結果僅供參考，實際以相關機構公佈為準。