Comparison

Compound Interest Simulator vs 12C

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Compound Interest Simulator

Visualize the growth of your savings and investments using compound interest. Plan for major purchases, retirement, or financial independence with detailed simulations and customizable options.

Highlights
  • Compound interest simulation
  • Savings growth visualization
  • Basic and Advanced modes
  • Multiple deposit/withdrawal planning
  • Customizable compounding frequency
  • Retirement and financial independence planning
Features
Read full description

Simulate your investments and visualize the growth of your savings through the incredible power of compound interest. Whether you're an adept of the FIRE (Financial Independence, Retire Early) movement, planing to make a major purchase, or simply looking to understand how your money can grow over time to support a good retirement, this app will be a great asset in your journey for financial freedom. This calculator is ideal for simulating fixed income investments, planning your savings, visualizing wealth evolution, and achieving retirement goals or financial independence plans. Getting started with the "Basic Mode" is easy: Just input the initial amount of money (if any), an optional monthly deposit, the interest rate and how much time you are planing to keep your capital invested. This app will then show you all the information you need in a beautiful graph, accompanied by a detailed analysis for the selected period. For more customization, the 'Advanced Mode' offers additional features: You can add multiple deposits and withdrawals over time, choose different compounding frequencies (such as daily or quarterly), and adjust the number of days in a year. For example, you can simulate a scenario where you make significant monthly deposits for 30 years, and then begin making annual withdrawals of a percentage of the balance. This calculator is that flexible. Watch your money work for you, and achieve your financial goals with the magic of compound interest! Note: This app is for informational purposes only, may contain inconsistencies, and in no way replaces personalized financial advice from a qualified advisor. Investment decisions and life-saving strategies should be based on professional guidance and not on information from unknown sources on the internet. Terms of Use: https://codexception.com/terms-and-conditions Privacy Policy: https://codexception.com/privacy-policy

About

12C

This app replicates the functionality of a classic financial calculator, offering modern enhancements like interactive prompts and register views. It provides basic calculator, math, percentage, calendar, and memory functions for free, with advanced financial tools available via a one-time purchase.

Highlights
  • HP 12c functionality reimplementation
  • Interactive prompts and recipes
  • Register views for data inspection
  • Basic calculator functions included
  • Advanced financial functions via IAP
Features
Read full description

The 12c Modern is a complete reimplementation of the full functionality of the classic HP 12c financial calculator. In addition to providing 12c's look & feel and functionality, we have modernized the app with features such as recipes, interactive prompts, and register views. This free version provides basic Calculator functions, Math functions, Percentage, Calendar and Memory functions. A one-time In-App-Purchase is required to access the Time-Value-of-Money (TVM), Cash Flow, Amortization, Bond, Depreciation, and Statistics functions. The 12c modern addresses two critical issues for the user: (i) knowing what is stored in each of the calculator's internal registers, (ii) remembering the exact key sequences for getting specific calculations done. The register views, accessible in the main screen, provides visibility into various register groups. You can switch between different groups of registers (such as Financial, Cash Flow, Bond, etc.), and inspect stored values. You can record your key strokes for specific calculations and store them as recipes. The recipes remove the burden of remembering the exact keystroke sequence for your tasks. You simply select a pre-recorded recipe (builtin or your own) and run. When running a recipe, the app visually prompts you with the keystrokes to press and guides you along in getting the results. The app comes with 20 built-in recipes and allows you to add/record/edit/delete your own recipes. The convenient register view on the screen allows you to view register contents as your operations proceed.

Screenshots

Compound Interest Simulator4 screens
12C4 screens

Verdict

The call

The clearest difference is review sentiment: Compound Interest Simulator at 81% against 12C's 21%. Compound Interest Simulator also leads on rating (4.9 vs 3.1) and update cadence (every 5 weeks vs every 15 months). 12C's advantage is ads (none vs shown) and iOS requirement (12.0 vs 15.6). On price, in-app purchases, monetization model and device support there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Compound Interest Simulator sells 10 one-off in-app purchases and 12C sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

Compound Interest Simulator holds the better App Store score, 4.9 against 3.1. That said, the two scores are not equally well evidenced: Compound Interest Simulator has 424 ratings behind it against 10, so its average is the more settled of the two. Written reviews point the same way: 81% of Compound Interest Simulator's written reviews are positive against 21% of 12C's.

UpkeepUpdate frequency

Compound Interest Simulator ships an update every 5 weeks, 12C every 15 months. Both last shipped on October 27, 2026.

Scorecard6 real differences · 4 level
Compound Interest Simulator versus 12C: the parameters behind the verdict, then further details
ParameterCompound Interest Simulator12C
PriceFreeFree
Rating4.9 (424 ratings) — better3.1 (10 ratings)
Positive reviews81.0% of reviews — better21.4% of reviews
Number of ratings424 — better10
Update frequencyEvery 5 weeks — betterEvery 15 months
AdsYesNo — better
In-app purchasesYesYes
MonetizationFree with in-app purchasesFree with in-app purchases
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.612.0 — better
Further details — not scored
Size47 MB15 MB
Age rating4+4+
DeveloperAndre Leite Barbosa CostaAnishu, Inc.

Customer experience

Compound Interest Simulator

All ratings415 ratings
Positive96.4%
Neutral2.4%
Negative1.2%
Written reviews105 reviews
Positive81.0%
Neutral6.7%
Negative12.4%

12C

All ratings10 ratings
Positive50.0%
Neutral10.0%
Negative40.0%
Written reviews14 reviews
Positive21.4%
Neutral21.4%
Negative57.1%

In-app purchases

10 purchases

Compound Interest Simulator

One-time10
  • Remove Ads & Unlock All Themes$0.99
  • Remove Ads & Unlock All Themes$1.99
  • Remove Ads & Unlock All Themes$2.99
Show 7 more
  • Remove Ads & Unlock All Themes$3.99
  • Remove Ads & Unlock All Themes$4.99
  • Remove Ads & Unlock All Themes$5.99
  • Remove Ads & Unlock All Themes$6.99
  • Remove Ads & Unlock All Themes$7.99
  • Remove Ads & Unlock All Themes$8.99
  • Remove Ads & Unlock All Themes$9.99
1 purchases

12C

One-time1
  • 12C Modern: full functionality$5.99

Questions

Is Compound Interest Simulator free?
Compound Interest Simulator is free to download, with in-app purchases available.
Is 12C free?
12C is free to download, with in-app purchases available.
Which has better reviews, Compound Interest Simulator or 12C?
Compound Interest Simulator is rated higher. Compound Interest Simulator averages 4.9 out of 5 from 424 ratings, while 12C averages 3.1 from 10 ratings.
Do Compound Interest Simulator or 12C have ads?
Compound Interest Simulator shows ads; 12C does not.
Which is updated more often, Compound Interest Simulator or 12C?
Compound Interest Simulator ships an update every 5 weeks, and 12C every 15 months. Most recently, Compound Interest Simulator was updated on October 27, 2026 and 12C on October 27, 2026.

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