Wealth Lab: Investment Calc

Wealth Lab is a professional-grade investment and financial-independence
planner that runs entirely on your device. No account, no sign-up, no tracking —
open it and start projecting.

PLAN YOUR COMPOUND GROWTH
• Year-by-year compound interest with interactive charts
• Variable contribution plan (different monthly amounts for different periods)
• Inflation-indexed contributions and real (purchasing-power) returns
• Fund fees and tax/withholding modelled into net results

SEE THE FULL RANGE OF OUTCOMES
• Three scenarios: bearish, base and bullish
• Monte Carlo simulation with a shaded confidence band
• Maximum drawdown, volatility and a Sharpe-style risk ratio
• Stress tests: 2008 crash, 2000 dot-com, 1973–74 stagflation

REACH FINANCIAL INDEPENDENCE (FIRE)
• Lean / Coast / Fat FIRE targets calculated automatically
• Adjustable Safe Withdrawal Rate (2%–6%, Trinity-style)
• FIRE milestone marked on the chart — see the exact year you get there
• Passive income from dividends and Eurobond coupons, with DRIP on/off

PRO TOOLKIT
• Historical backtest (S&P 500 from 1928, Nasdaq, Gold, BIST)
• Decumulation phase (fixed 4%, Guyton-Klinger, market-linked)
• Reverse calculator (solve for monthly, years or required return)
• Asset allocation with correlation matrix and Sharpe
• A/B scenario comparison and life-goal milestones
• Live exchange rates with offline cache · PDF + CSV export

MULTI-CURRENCY
USD, EUR, TRY, GBP, JPY, CHF, CAD, AUD, CNY, INR.

PRIVACY FIRST
All calculations are client-side. Your inputs and saved plans never leave your
device. The optional one-time "Pro" upgrade is processed by Google Play; we use
RevenueCat only to enable purchase and restore. No ads. No analytics SDKs.

Wealth Lab is an educational planning tool and does not provide personalised
financial advice.