# Investment Growth — Compound Interest & Retirement

> Compound Interest & Retirement (iPhone/iPad app by Yung Wen Cheng.)

- Source: https://appshunter.io/ios/app/investment-growth/id6756014104 (this page in markdown: same URL + `.md`)
- Developer: [Yung Wen Cheng](https://appshunter.io/developer/1851202446)
- Category: Utilities, Finance
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 18.5 · 14 MB
- Languages: American English, Chinese (Traditional, Taiwan)
- Released: 2025-12-04
- Data updated: 2026-06-23
- User reviews in markdown: https://appshunter.io/ios/app/investment-growth/id6756014104/reviews.md

## What is Investment Growth?

Investment Growth – Compound Interest & Financial Planning

Compound interest is one of the most powerful drivers of long-term wealth—but inflation reduces your real purchasing power.

Investment Growth helps you calculate both nominal returns and real returns, so you can better understand how your investments grow over time.

Compound Interest & Recurring Investments
Simulate long-term growth with one-time or regular contributions
Inflation Adjustment (Real Returns)
Compare nominal vs. real returns to see true purchasing power
FIRE & Financial Independence Planning
Explore different paths toward long-term financial goals
Retirement Planning
Estimate future asset needs under different scenarios
Loan & Debt Analysis
Evaluate mortgages, personal loans, auto loans, securities-backed loans, and policy loans

Terms of Use (EULA):
https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Privacy Policy:
https://victoriac1122.github.io/compound-calculator-support-site/index.html

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Pro Monthly | $0.99 | per month |
| Pro Yearly | $9.99 | per year |



## Version history (last 5 releases)

### 2.2 — 2026-05-07

Version 2.2

This update focuses on overall refinement, upgraded Pro reports, and a smoother planning experience.

- Upgraded Pro report exports with a more polished PDF and text report format
- Added clearer debt pressure assessment to better show monthly repayment load and cash flow impact
- Improved the income allocation planner with an amount-first input flow and automatic percentage conversion
- Refined the structure of the FIRE, loan, retirement, and settings screens for better readability and smoother use
- Improved onboarding and tutorial flows, including fixes for overlap and readability issues
- Updated the Settings experience, widget guide, and Pro workspace for a more consistent interface
- Fine-tuned card typography, spacing, and dark mode presentation
- Fixed various issues and improved overall stability

This version makes the app feel more structured, more readable, and more like a complete financial planning tool.

### 2.1 — 2026-04-29

Version 2.1

This update focuses on first-time setup, settings clarity, and everyday usability:

- A more proactive first-launch reminder setup flow
- A cleaner Settings experience with clearer sections for widgets, Premium, guides, and assumptions
- A more visible widget guide to help you place key planning insights on your Home Screen
- Added safe withdrawal rate guidance in FIRE Pro Check for better understanding of the health score
- Improved typography and spacing across info cards, summary cards, and key metric cards
- Better reminder setup flow with customizable daily reminder time
- Smoother and clearer overall interaction experience

If you use the app for investing, FIRE, debt planning, or retirement planning, this version should feel easier to use every day.

### 2.0 — 2026-04-15

2.0 版本更新文案

複利計算機 2.0 全新升級，加入更完整的 Premium 財務規劃工具，協助你從投資、FIRE、貸款到退休規劃，做出更清楚、更貼近現實的試算。

本次更新重點：

新增 Premium 進階功能與訂閱頁，支援月方案與年方案。
新增 Pro 財務顧問工具，整合年度財務檢查、目標反推、假設合理性檢查與建議摘要。
新增「進階人生模擬 PRO」，可模擬結婚、育兒、買房、失業、創業、照顧父母等人生事件對 FIRE 的影響。
優化投資複利、財務自由、貸款與退休頁面的結果呈現，讓數字更清楚、圖表更直覺。
優化 iPad 與大螢幕版面，提升閱讀性與操作體驗。
優化金額輸入欄位，超過 1 萬時會輔助顯示「萬 / 億」提示，方便快速理解大數字。
補充槓桿試算說明，讓使用者更清楚理解融資成本、槓桿負債與損益兩平報酬。
改善訂閱價格顯示：中文以新台幣為主、美元為輔；英文以美元為主、新台幣為輔。
修正多項財務計算邏輯與穩定性問題，提升上架版本品質。

### 1.8 — 2026-04-11

複利計算機 1.8 進一步優化了整體穩定性與閱讀體驗。這次更新重新整理了投資、財務自由、退休與貸款頁面的結果呈現，讓重要數字更清楚、資訊層級更一致，也改善了專業版方案頁的文案與介面表現。同時，這版也針對訂閱狀態、情境存檔、數字輸入與多處內部邏輯做了穩定性修正，讓整體使用更可靠。

### 1.6 — 2026-04-06

複利計算機 1.6 帶來更完整的財務規劃體驗。這次更新優化了投資複利、財務自由、退休規劃與貸款試算的整體流程，讓重要數字更清楚、圖表更直覺、輸入更順手。專業版也加入進階情境比較、壓力測試、摘要報告與報告分享功能，幫助你更有效率地整理財務規劃重點。

主要功能：
投資複利與定期投入試算
FIRE 財務自由規劃
退休資產與提領規劃
銀行貸款、證券貸款、保單貸款分析
清楚的數字結果與成長圖表
支援情境比較與摘要整理

專業版可解鎖更多進階功能：
進階情境比較
壓力測試
報告摘要與分享
更深入的規劃分析工具

## More apps by Yung Wen Cheng

- [AI Time Management](https://appshunter.io/ios/app/ai-time-management/id6754973616)
- [輕鬆抽獎程式](https://appshunter.io/ios/app/id6755403297)
- [Crypto Learning Dictionary](https://appshunter.io/ios/app/crypto-learning-dictionary/id6761411130)
- [你今天維他命了嗎](https://appshunter.io/ios/app/id6761441866)
- [把夢遺留下來](https://appshunter.io/ios/app/id6761692228)

All apps by Yung Wen Cheng: https://appshunter.io/developer/1851202446

---

*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 2026-06-23.*