# Compound Life: Growth — What waiting and loans cost

> What waiting and loans cost (iPhone/iPad app by Duong Long Ho.)

- Source: https://appshunter.io/ios/app/compound-life-growth/id6804600455 (this page in markdown: same URL + `.md`)
- Developer: [Duong Long Ho](https://appshunter.io/developer/6794261021)
- Category: Education, Finance
- Price: Free
- Age rating: 4+
- Requires: iOS 17.0 · 3 MB
- Languages: American English, French (France), European Portuguese, Chinese (Simplified, China), Vietnamese
- Released: 2026-08-30
- Data updated: 2026-11-06

## What is Compound Life?

Compound Life asks you a question before it tells you anything.

You put a small amount aside every month. It grows at a rate you choose, for as long as you choose. How much do you think you end up with? Move the slider to the number you believe, commit to it, then watch the real one climb past it. A number you are shown is a number you forget; a number you were wrong about is one you remember.

THREE TABS

Compound - Take a guess, then see the answer: your guess and the real figure one above the other, and a chart of the money you paid in, the same money with the interest taken out each year, and the same money with the interest left in. "What if I start later?" shows what waiting takes away, with one-tap choices for 1, 3 and 5 years. "Work back from a goal" turns a target and a number of years into a monthly amount.

Loans - The real price of a loan. A loan is rarely offered as a yearly rate. It is equal instalments, a flat rate, a daily collection, so much per million per day, buying on instalments, or borrow once and repay once. Pick the one you were offered, type only what it says, add any fee taken off the top, and see the real yearly rate, the total to repay, the total cost and the repayment schedule, beside two reference rates you set yourself.

Seed Book - Every scenario you guessed, loan you looked into and goal you set is kept on your device. Read it by week, month, quarter or year, search it, and tap any entry to open it again exactly as you left it.

WHAT IT DOES NOT DO

Compound Life does not offer, arrange or advertise loans, names no lender and links to none. It is arithmetic on the numbers you enter: a simulation and a calculation, not a forecast, and not financial, investment or legal advice. Every result screen says so.

No account, no sign-up, no server. The app contains no networking code; your numbers stay on your device, and deleting the app deletes them. No advertising, no third-party analytics, no tracking. The only measurement is four counters kept on your own phone, shown in the app's data export and erased by its reset.

A NOTE ON THE CURRENCY

Amounts are shown in Vietnamese đồng in every language. The app carries no exchange rate and never converts. What it shows are ratios - how much of a final figure the money made, what a year of a loan really costs - and those are the same in any currency.

THE REST

- Amount fields have their own keypad with a 000 key, and a clear button that empties the field in one tap.
- The chart follows the sliders as you move them.
- Switch to today's money to see the number on paper beside its value after an inflation rate you choose.
- Save the cost-of-waiting picture to your photo library, or share the result as a sentence.
- Five languages: English, Tiếng Việt, 简体中文, Français, Português.
- Light, dark, or follow the system.
- Export everything the app has stored as plain text, or erase all of it, from Settings.
- Works in airplane mode.

Free. Nothing to unlock, nothing to subscribe to.

## Is Compound Life safe?

Not enough ratings yet to assess Compound Life.

## Is Compound Life legit?

Compound Life: Growth has limited verification signals. The AppsHunter Legitimacy Score for Compound Life is 50 out of 100 points across 7 verification signals from App Store and developer data.


## Version history (last 2 releases)

### 1.2 — 2026-10-19

New in 1.2
- Every amount field has its own keypad with a 000 key: 1, 000, 000 is a million in three taps.
- A clear button at the end of an amount field empties it in one tap.

Also new since 1.0
- Loans: enter a loan the way it was offered to you - equal instalments, flat rate, daily collection, interest by the day, buying on instalments, borrow once and repay once - and see what a year of it really costs.
- Seed Book: every scenario, loan and goal you looked at, by week, month, quarter or year. Tap one to open it again.
- Work back from a goal; one-tap 1, 3 and 5 years on the cost of waiting; today's money beside the number on paper.

### 1.0 — 2026-08-30

No release notes.

## More apps by Duong Long Ho

- [Moneybook: Spend, Lend & Owe](https://appshunter.io/ios/app/moneybook-spend-lend-and-owe/id6812595332)
- [Pay Beacon](https://appshunter.io/ios/app/pay-beacon/id6812927805)
- [Sổ Tay Đặt Hàng](https://appshunter.io/ios/app/so-tay-at-hang/id6815681246)
- [Flight Claim Kit](https://appshunter.io/ios/app/flight-claim-kit/id6815930027)

All apps by Duong Long Ho: https://appshunter.io/developer/6794261021

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-11-06.*