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The question I need to answer is this: If I take X dollars and invest it for N years at an average annual rate of return of Y, what will I end up with after N = 5, 10, 15, 20 years etc

investment value = X * (1 + Y)^N

If you'd like to adjust for inflation (I),

inflation adj. value = [ X * (1 + Y)^N ] * (1 - I)^N
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