Compound Wealth Simulator

Inflation-aware real returns. Reverse-calc contributions from your goal. Compare 3 yield scenarios. 23 currencies, 7 languages. For FIRE, IRA & 401(k) planning.

Compound Interest Calculator helps you visualize long-term investments with realistic, inflation-adjusted projections. Reverse-calculate from your savings goal, set independent contribution and growth periods, and plan with confidence for FIRE, retirement, or any long-term financial milestone.

■ Who this is for

• Anyone planning long-term investments (IRA, Roth IRA, 401(k), ISA, NISA, iDeCo)
• The FIRE community
• Retirement planners
• Goal-based savers
• Inflation-conscious investors

■ 3 Calculation Modes

• Calculate — Future value from initial assets and contributions
• Reverse — Required monthly contribution to reach your goal
• Compare — 3 return scenarios side by side

■ Independent Contribution Period Set your contribution years separately from your overall growth period (e.g. contribute for the first 10 years of a 30-year horizon, then let the balance compound). The chart highlights when contributions stop with a visual marker.

■ "Time to Goal" Reverse Calculation Calculate how long it takes to reach your target as "X years Y months." Just enter your monthly contribution and assumed return rate.

■ Inflation-Aware Display both nominal and real (purchasing-power) returns. Especially useful for users in high-inflation economies who want to understand the true future value of their savings.

■ 23 Currencies, 7 Languages Major world currencies including USD, EUR, GBP, JPY, CNY, KRW, INR, BRL, MXN, TRY. UI in English, Japanese, Chinese, Korean, Hindi, Spanish, and Portuguese.

■ Locale-Aware Number Formatting

• Japan / China — 万, 億, 兆
• India — Lakh, Crore
• English-speaking — K, M, B, T Numbers display in the format locals naturally read.

■ Privacy & Ads

• All calculations happen on-device. Your input data is never sent to our servers.
• This app is free, supported by in-app advertising.

■ Technical

• iOS 15.6 or later
• iPhone only

■ Disclaimer Calculations are simulations and do not guarantee future investment performance or inflation rates. Investment decisions are your own responsibility.